Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: AZ
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my credit report, which contains several negative items that require your attention. As you can see from my report, there are multiple inquiries that were not authorized and have reached the statute of limitation. Specifically, the following inquiries fall into this category : XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX Furthermore, there are several accounts on my credit report that contain incorrect information or that do not belong to me. I would appreciate your assistance in resolving these issues as soon as possible. Specifically, the following accounts require your attention : XXXXXXXX XXXX - Account Number : XXXX You have reported this account as updated when nothing has been changed. The same incorrect information is still being reported, and I request that you remove these incorrect late payments from this account immediately. 

XXXX - Account Number : XXXX I have never had any business relationship with this company, and there is no way this account belongs to me. I request that you delete this unknown account from my credit report right away. 

XXXX XXXX XXXX XXXX - Account Number : XXXX I have never had any business relationship with this company, and there is no way this account belongs to me. I request that you delete this unknown account from my credit report right away. 

XXXX XXXX - Account Number : XXXX I have never had any business relationship with this company, and there is no way this account belongs to me. I request that you delete this unknown account from my credit report right away. 

XXXX - Account Number : XXXX Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX XXXX - Account Number : XXXX Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX XXXX - Account Number : XXXX Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXXXXXX XXXX  - Account Number : XXXX Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXXXXXX XXXX - Account Number : XXXX Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX XXXX XXXX XXXX - Account Number : XXXX I have never had any business relationship with this company, and there is no way this account belongs to me. I request that you delete this unknown account from my credit report right away. 

XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX I have never had any business relationship with this company, and there is no way this account belongs to me. I request that you delete this unknown account from my credit report right away. 
I hope you understand the urgency of this matter, as these negative items on my credit report are affecting my ability to obtain credit and other financial services. Please take immediate action to correct these errors and remove any incorrect information from my credit report. I appreciate your prompt attention to this matter. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

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