Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian, Why are you AGAIN refusing to fix my credit report - even though I have provided PROOF from the credit card companies - to change the hard credit inquiries to soft inquiries? 

Why are you REFUSING to do as the credit card companies have asked? 

You are no AUTHORITY to do what you want - by law you are required to have consumer credit reports 100 % accurate. 

I filed this complaint # XXXX on XX/XX/XXXX and you have already closed it out and REFUSED to change 4 hard inquiries to soft inquiries. 

I will AGAIN file a complaint and attached a letter with PROOF that I called into each credit card company, whom I spoke with, at what day/time, and what you are TO DO. 

You are not a rogue company that can operate as it wishes and put whatever you want on my or other consumers credit reports. 

I am DEMANDING that you do as the credit card companies have instructed you to do and make my hard inquiries into soft inquiries. 

-- - Please see below the unauthorized hard inquiries that need to be removed from my Experian credit report : Inquiry # 1 Company : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Reason to Remove : I called ( XXXX ) XXXX and spoke with XXXX on XX/XX/XXXX at XXXX XXXX XXXX who said this should have been a soft pull credit inquiry and not hard. She said she requested Experian to make this a soft credit pull. Please have this removed as a hard inquiry and reflected as a soft inquiry as soon as possible. 

Inquiry # 2 & 3 Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XX/XX/XXXX XXXX hard inquiries Reason to Remove : I called ( XXXX ) XXXX and spoke with XXXX on XX/XX/XXXX at XXXX XXXX XXXX  who transferred me to XXXX at XXXX XXXX XXXX who said she is requesting Experian to have the 2 hard credit inquiries both be changed to soft credit inquiries. Please have these 2 removed as hard inquiries and reflected as soft inquiries as soon as possible. 

Inquiry # 4 Company : XXXX XXXX  Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Reason to Remove : I called ( XXXX ) XXXX and spoke with XXXX on XX/XX/XXXX at XXXXXXXX XXXX XXXX who said he is requesting Experian change it from a hard credit inquiry to a soft credit inquiry. Please have this reflected as a SOFT inquiry as soon as possible. 

Inquiry # XXXX Company : XXXX XXXX XXXX : XXXX XXXX  XXXX, XXXX Date : XX/XX/XXXX Reason to Remove : I called XXXX XXXX XXXX and spoke with XXXX at XXXX XXXX on XX/XX/XXXX in consumer disputes and she said she has no record of any authorized signatures on file and has requested Experian remove any hard inquiries from my credit report. Please remove this hard inquiry from my credit report as soon as possible. 

Experian, please handle the above as soon as possible as these unauthorized hard credit inquiries above, which I have called and verified, are damaging my credit, and hurting my ability to obtain credit.

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