Consumer complaint received 2023-03-22
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are negatively affecting my credit score, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I have identified the following items that I believe to be inaccurate : The inquiry from XXXX XXXX on XX/XX/XXXX was not authorized and has reached the statute of limitation, which violates the FCRA 's requirements for accurate and timely reporting of credit inquiries. 
The inquiry from XXXXXXXX XXXX XXXX on XX/XX/XXXX was not authorized and has reached the statute of limitation, which violates the FCRA 's requirements for accurate and timely reporting of credit inquiries. 
The inquiry from XXXX XXXX on XX/XX/XXXX has reached the statute of limitation, which violates the FCRA 's requirements for accurate and timely reporting of credit inquiries. 
The inquiry from XXXX XXXX on XX/XX/XXXX has reached the statute of limitation, which violates the FCRA 's requirements for accurate and timely reporting of credit inquiries. 
The account from XXXXXXXX XXXX XXXXXXXX ( account number XXXX ) contains incorrect data, as I do not recall ever being late on a payment, which violates the FCRA 's requirements for accurate credit reporting. 
The account from XXXX ( account number XXXX ) contains incorrect data, as the same late payments are still being reported and nothing has been updated, which violates the FCRA 's requirements for accurate and up-to-date credit reporting. 
The account from XXXX ( account number XXXX ) contains incorrect data, as the same late payments are still being reported and nothing has been updated, which violates the FCRA 's requirements for accurate and up-to-date credit reporting. 
The account from XXXX ( account number XXXX ) may contain incorrect information regarding payment status, balance, comments, payment history, and account number, which violates the FCRA 's requirements for accurate and up-to-date credit reporting. 
The account from XXXX ( account number XXXX ) may contain incorrect information regarding payment status, balance, comments, payment history, and account number, which violates the FCRA 's requirements for accurate and up-to-date credit reporting. 
The inquiry from XXXXXXXX XXXX on XX/XX/XXXX has reached the statute of limitation, which violates the FCRA 's requirements for accurate and timely reporting of credit inquiries. 
The inquiry from XXXX on XX/XX/XXXX has reached the statute of limitation, which violates the FCRA 's requirements for accurate and timely reporting of credit inquiries. 
The account from XXXX ( account number XXXX ) contains questionable information regarding the account name and number, which violates the FCRA 's requirements for accurate and up-to-date credit reporting. 
I request that these items be investigated and corrected as soon as possible in accordance with the FCRA 's requirements. I also request that you provide me with a written response within 30 days, as required by the FCRA, detailing the results of your investigation. 

Thank you for your attention to this matter. 

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