Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: TN
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, Tennessee XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX XXXX and I am writing to dispute several items on my credit report. I have noticed that there are several negative items that are impacting my credit score, and I would like to have them removed as soon as possible. 

Firstly, there is an inquiry from XXXX that I do not remember authorizing on XX/XX/XXXX. As I suspect that this inquiry might be fraudulent, I would like it removed from my credit report immediately. 

Secondly, there is an account from XXXX XXXX XXXX with the account number XXXX that I can not recognize. I kindly request that you investigate and make sure this account belongs to me. If it does not, please delete it from my credit report. 

Thirdly, there is an account from XXXX XXXX XXXX with account number XXXX that I have never paid late. However, your reporting is inaccurate, and it is negatively impacting my credit score. I request that you update this account and delete any inaccurate information immediately. 

Fourthly, there is an inquiry from XXXX on XX/XX/XXXX that I do not remember authorizing. I suspect that this inquiry might be fraudulent and request that it be removed from my credit report immediately. 

Fifthly, there is an inquiry from XXXX XXXX on XX/XX/XXXX that I have no recollection of authorizing. I demand that this credit pull be removed from my credit report. 

Sixthly, there is an inquiry from XXXX on XX/XX/XXXX that I do not remember authorizing. I request that this inquiry be removed from my credit report. 

Seventhly, there is an account from XXXXXXXX XXXX with account number XXXX that has questionable information. Please clarify this information for me or delete the account from my credit report. 

Eighthly, there is an inquiry from XXXX on XX/XX/XXXX that I do not remember authorizing. I demand that this inquiry be removed from my credit report. 

Ninthly, there is an inquiry from XXXX on XX/XX/XXXX. However, inquiries have reached the statute of limitation. 

Tenthly, there is an inquiry from XXXX on XX/XX/XXXX that I do not remember authorizing. I demand that this inquiry be removed from my credit report. 

Eleventhly, there is an inquiry from XXXX on XX/XX/XXXX. However, inquiries have reached the statute of limitation. 

Twelfthly, there is an inquiry from XXXX on XX/XX/XXXX that I do not remember authorizing. I demand that this inquiry be removed from my credit report. 

Thirteenthly, there is an inquiry from XXXX on XX/XX/XXXX that I do not remember authorizing. I demand that this inquiry be removed from my credit report. 

Fourteenthly, there is an inquiry from XXXX on XX/XX/XXXX that I do not remember authorizing. I demand that this inquiry be removed from my credit report. 

Fifteenthly, there is an inquiry from XXXX on XX/XX/XXXX that I do not remember authorizing. I demand that this inquiry be removed from my credit report. 

Lastly, there are two inquiries that have reached the statute of limitation - XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. 

I kindly request that you investigate these items and take appropriate action to remove any inaccurate information from my credit report. 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