Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: WA
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, Washington 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 inaccurate and damaging my credit score, in accordance with the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I have found several negative items that are incorrect, and I kindly request that you remove them from my credit report as soon as possible. 

Under the FCRA, it is your responsibility to ensure that the information on my credit report is accurate and up-to-date. The following are the inaccurate negative items on my credit report that I am disputing : XXXX XXXX - Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay. 

XXXX XXXX  - Date of inquiry : XX/XX/XXXX The inquiries related to this account have reached the statute of limitation and should be removed from my credit report, as mandated by the FCRA. 

XXXX XXXX - Date of inquiry : XX/XX/XXXX The inquiries related to this account have reached the statute of limitation and should be removed from my credit report, as mandated by the FCRA. 

XXXX XXXX XXXX - Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay, in accordance with the FCRA. 

XXXX XXXX - Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay, as required by the FCRA. 

The following personal information is incorrect : Account Number : XXXX, XXXXXXXX XXXX- This name belongs to someone else. Please remove it from my credit report immediately, as required by the FCRA. 

The following personal information is incorrect : Account Number : XXXX, XXXX, XXXX- This name belongs to someone else. Please remove it from my credit report immediately, in accordance with the FCRA. 

The following personal information is incorrect : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX - This address belongs to someone else. Please remove it from my credit report immediately, as required by the FCRA. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, OR XXXX - This address belongs to someone else. Please remove it from my credit report immediately, in accordance with the FCRA. 

The following personal information is incorrect : Account Number : XXXX - This name belongs to someone else. Please remove it from my credit report immediately, as required by the FCRA. 

The following personal information is incorrect : Account Number : XXXX XXXX - This name belongs to someone else. Please remove it from my credit report immediately, in accordance with the FCRA. 

XXXX - Date of inquiry : XX/XX/XXXX The inquiries related to this account have reached the statute of limitation and should be removed from my credit report, as required by the FCRA. 

XXXX  - Date of inquiry : XX/XX/XXXX The inquiries related to this account have reached the statute of limitation and should be removed from my credit report, as mandated by the FCRA. 

XXXX XXXX - Date of inquiry : XX/XX/XXXX The inquiries related to this account have reached the statute of limitation and should be removed from my credit report, as required by the FCRA. 

XXXX - Date of inquiry : XX/XX/XXXX The inquiries related to this account have reached the statute of limitation and should be removed from my credit report, as required by the FCRA. 

XXXX  - Date of inquiry : XX/XX/XXXX The inquiries related to this account have reached the statute of limitation and should be removed from my credit report, as mandated by the FCRA. 

XXXX XXXX  - Date of inquiry : XX/XX/XXXX The inquiries related to this account have reached the statute of limitation and should be removed from my credit report, as required by the FCRA. 

XXXX XXXX - Date of inquiry : XX/XX/XXXX The inquiries related to this account have reached the statute of limitation and should be removed from my credit report, as mandated by the FCRA. 

XXXX XXXX XXXX XXXX - Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP, as required by the FCRA. 

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, as required by the FCRA. 

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, in accordance with the FCRA. 

XXXX XXXX - Date of inquiry : XX/XX/XXXX The inquiries related to this account have reached the statute of limitation and should be removed from my credit report, as required by the FCRA. 

XXXX XXXX - Date of inquiry : XX/XX/XXXX The inquiries related to this account have reached the statute of limitation and should be removed from my credit report, as mandated by the FCRA. 

XXXX XXXX  XXXX - Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP, as required by the FCRA. 

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, in accordance with the FCRA. 

XXXX XXXX - Account Number : XXXX I can not recognize this business, and I kindly request that you investigate to make sure this account belongs to me. Please delete this account from my credit report, as required by the FCRA. 

I have attached a copy of my credit report, highlighting the incorrect information. Please investigate these inaccuracies as soon as possible and update my credit report accordingly. As mandated by the FCRA, I expect to receive a written response from you within 30 days of receipt of this letter. 

Thank you for your prompt 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