Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: NJ
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, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. After reviewing my credit report, I found several items that are not accurate and require immediate attention. 

Firstly, I have no recollection of authorizing the following credit pulls, and I demand their removal : XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  : Date of inquiry : XX/XX/XXXX Secondly, I would like to bring to your attention that some of the inquiries have reached the statute of limitations and should be removed. These inquiries include : XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX Furthermore, I dispute the following items that are not accurate : XXXX : Account Number : XXXX - I don't remember ever being late with any of my payments. Please remove this harmful incorrect data immediately from my credit file. 
XXXX : Account Number : XXXX - I don't remember ever being late with any of my payments. Please remove this harmful incorrect data immediately from my credit file. 
XXXX : Account Number : XXXX - I don't remember ever being late with any of my payments. Please remove this harmful incorrect data immediately from my credit file. 
XXXX XXXX Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXX : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXX XXXX : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXX : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXX XXXX XXXXXXXX : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXX XXXX : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
I respectfully request that you investigate these inaccuracies and make the necessary corrections to my credit report. Please notify me in writing of the actions taken. 

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