Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was looking at my credit report for the first time in a long time and I was surprised to see many many unauthorized inquiries. 

I am not a credit person. I dont know how there could be that many inquiries under my name. 

I sent in a letter to experian, XXXX, and XXXX  regarding inaccurate information on my account already but they only removed some information. I had no luck with all the other unauthorized and inaccurate info listed on my credit profiles. 

These are the unauthorized inquiries that I saw... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my report which I did not open or use. 

Credit reporting laws ensure that bureaus only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The listed information above therefore needs to be re-investigated and removed because it is inaccurate! 

The presence of inaccurate information such as the unauthorized XXXXXXXX XXXX late payments and high utilization seen on my credit report is adversely affecting and impeding my ability to obtain necessary credit. 

The accounts which I did not open/ were unauthorized are... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are also inaccurate. My name has been removed off of those accounts as an authorized user for a long while already. The information should not be linked to my credit report anymore and is 100 % inaccurate. 

Again, credit reporting laws ensure that bureaus only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The listed information above therefore needs to be re-investigated and removed because it is inaccurate! 

The presence of inaccurate information on my credit report is adversely affecting and impeding my ability to obtain necessary credit. 

Please remove this information off my credit report. If not, I am requesting that an investigation be launched as according to Federal FCRA LAWS. I am in utter disagreement with mentioned accounts, inquiries, late payments on my credit report. 

If an investigation is launched, in accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide me with the names and businesses addresses of each individual with whom you verified the informations with so that I can follow up. 

Please foward me an updated credit report after any corrections. 

I really appreciate your help through this situation of mine. 

Here below I have my report number for my IDENTITYTHEFT.GOV report. I also included the identity theft government report in my attached files at the bottom of this report. 

XXXX My report with the XXXX XXXX XXXX XXXX XXXX XXXX  is also in the process of filing. 


After calling and speaking with representative after representative and not being able to fix my problem, I am frustrated and done. 
Ive now sent letters to investigate the inaccurate information directly to the 3 major credit bureaus as well. 

Please help me resolve my credit report and make sure everything is correctly reported as according to federal FCRA Laws. 


Thank you so much.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation