Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: CT
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:
I sent out multiple letters to all 3 credit reporting companies and got ignored and told I hired a 3rd party company which I did not. This act is unlawful and blatantly out of compliance. To tell me I am not who I am requesting information I have already sent off in a CLEAR VIOLATION OF MY CONSUMER RIGHTS. This took well over 35-45 days in order to get a letter telling me that they applaud my efforts, need more documents to verify my identity, or just be flat-out ignored. I will be reaching out consumer rights protection group to see the best way to hold these 3 companies accountable. Here are the accounts that I originally put into question. Personal Information, Negative accounts & also Inquiries that were not made by me!

1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX 2. The following personal information is incorrect Account XXXX : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX 3. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Pursuant to 15 USC 1681 ( a ) ( 1 ) - Seeing that you are in clear Violation of the FCRA in MULTIPLE WAYS. I will need to know who you spoke with during this reinvestigation how you came to this conclusion. I have reason to believe this account is inaccurate XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Pursuant to 15 USC 1681 ( a ) ( 1 ) - This GRAVE error has impacted my belief in your companies integrity and ability to perform the proper procedures and protocol. As a result I no longer trust the information you report on MY BEHALF. I Immediately want this i XXXX Account Number : XXXX Please investigate and delete from my credit report. 

9. Pursuant to 15 USC 1681 ( a ) ( 1 ) - This GRAVE error has impacted my belief in your companies integrity and ability to perform the proper procedures and protocol. As a result I no longer trust the information you report on MY BEHALF. I Immediately want this XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

10. Pursuant to 15 USC 1681 ( a ) ( 1 ) - This GRAVE error has impacted my belief in your companies integrity and ability to perform the proper procedures and protocol. As a result I no longer trust the information you report on MY BEHALF. I Immediately want this i XXXXXXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

11. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY 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