Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: AL
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, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate, based on my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that consumer reporting agencies maintain accurate and complete records of consumer credit information. 

I have listed each disputed item below along with the reason for my dispute : XXXX - XXXX XXXX  - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and demand that it be removed from my credit report. 

XXXX XXXX - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and demand that it be removed from my credit report. 

XXXX XXXX  - Account Number : XXXX - To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX - Account Number : XXXX - To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX - Account Number : XXXX - To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX - Account XXXX : XXXX - To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX - Account XXXX : XXXX - XXXX the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX  - Account Number : XXXX - To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX  - Account Number : XXXX - To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX  - Account Number : XXXX - To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX  - Account Number : XXXX - To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX  - Account Number : XXXX - To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX  - Account Number : XXXX - There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. 

XXXX - Account XXXX : XXXX - To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

I have enclosed a copy of my credit report with the disputed items highlighted for your reference. Pursuant to the FCRA, I request that you investigate these disputes and correct any inaccuracies within thirty days. If you are unable to verify the accuracy of the information, I request that you delete it from my credit report.

Additionally, under the FCRA, I request that you notify me of any actions you take as a result of my dispute, and provide me with a free copy of my credit report if changes are made.

Thank you for your prompt attention to this matter. I look forward to hearing back from you in a timely manner. 

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