Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a follow up complaint to cfpb # XXXX. Experian is incompetent in handling my affairs. On XXXX XXXX a request for block and delete of information on my credit report was submitted to Experian via the cfpb. Experian has neglected my request. Experian response was Thank you for submitting your dispute on XX/XX/XXXX, through the CFPB Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information, you have supplied through the CFPB portal and directly to Experian. In your dispute, you indicate that your credit report is showing inaccurate information. You are requesting to remove this information from your credit report. Upon further research and investigation, the listed inquiries are not appearing on your current Experian credit report. An updated copy of your credit report will be mailed to you for review and confirmation. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system. For any remaining inquiry please note that by federal law, your personal credit report must list all organizations that have requested your credit history. In accordance with the Fair Credit Reporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about credit information. For example, organizations that have granted you credit or with whom you have applied for credit, or entities collecting on transactions that you initiated or on judgments rendered against you, are permitted to make inquiries on your credit report. Requests for your credit history remain on the personal credit report for at least two years. Inquiries from credit grantors who request your credit information as part of your application for credit will display under the heading Inquiries shared with others on your personal credit report. These inquiries display on your credit report when it is accessed by others with a permissible purpose. These inquiries may affect your credit score. Other inquiries for your credit information are considered soft inquiries and do not affect your credit score. 

The FTC report and personal statement referenced ACCOUNTS on my consumer report not INQUIRES! XXXX you are not doing your job. You assumed this role of housing my consumer report. It is your duty to handle all request by the consumer correctly. You are reporting : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX You have XXXX XXXX to block, delete and make the reflections to my consumer report or you will be held liable in federal court for not properly handling my affairs. I will be seeking compensation for monetary damages!

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 non-monetary relief