Consumer complaint received 2020-01-29
Company: Experian Information Solutions Inc.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I have contacted Experian and even started a membership to monitor the investigation into my inquires and fraud. I contacted via mail and Telephone to dispute my inquires and fraud alert. I have activate fraud alert in all major credit systems. They have not responded in over 60-90 days. XXXX  did an investigation and could not verify the inquires made listed in complaint m. They therefore discarded all inquires that were sent in the letter and complaint. Here is a copy of the complaint issued to all major credit systems.

I have a fraud Alert on all 3 of my Credit Bureaus. I have wrote letters and have called to all Creditors and to all Major Credit Bureau to remove several Inquires that I do not recognize. The inquires still populate that were back in XX/XX/XXXX and they just keep coming back every other week it seems. I have a total of 171 Inquires on my credit file and they are mostly all the same things from years ago. I have contact by phone and by mail and get the same response. There is nothing that can be done. I have not received any letters back that I have sent to the Furnishers. I did Purchase an Auto but through my own Bank not though a dealership which are not listed in the inquires. I also have not started a Credit Card of any sort. I thought the fraud Alert was suppose to help. My information was compromised during the XXXX  Breach as well as the XXXX Glitch - and seek no restitution other the Free Credit Monitoring. All I require is for proof that I approved these Inquires. I did not select some of the inquires because I did cause those. according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. XXXX- XXXX - Experian - XXXX- XX/XX/XXXX on XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX -XXXX - Experian - Creditor Name - XXXX  XXXX - Dates of Inquires -  XX/XX/XXXX -XX/XX/XXXX - XX/XX/XXXX - XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX  - XXXX  - Experian -Creditor Name - XXXX - Dates of Inquires - XX/XX/XXXX XXXX  - XXXX  - Experian Creditor Name - XXXX - Dates of Inquires - XX/XX/XXXX XXXX  - XXXX  - Experian - Creditor Name - XXXX  - Dates of Inquires - XX/XX/XXXX - XX/XX/XXXX XXXX  - XXXX - Experian -Creditor Name - XXXX - Dates of Inquires - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX - XXXX  - Experian - Creditor Name - XXXX XXXX - Dates of Inquires - XX/XX/XXXX XXXX  - XXXX  - Experian - Creditor Name - XXXX XXXX - Dates of Inquires - XX/XX/XXXX XXXX XX/XX/XXXX - XXXX  - XXXX  - Experian - Creditor Name - XXXX XXXX - Dates of Inquires - XX/XX/XXXX XXXX -XXXX - Experian - Creditor Name - XXXX  - Dates of Inquires - XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX  -XXXX - Experian - Creditor Name - XXXX  - Dates of Inquires - XX/XX/XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX XXXX -XXXX - Experian Creditor Name - XXXX  - Dates of Inquires - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX  - XXXX  - Experian - Creditor Name - XXXX- Dates of Inquires - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX- XXXX  XXXX Experian - Creditor Name - XXXXXXXX XXXX XXXX - Dates of Inquires - XX/XX/XXXX XXXX- XXXX  - Experian XXXX Creditor Name - XXXX XXXX - Dates of Inquires XXXX XX/XX/XXXX XXXX- XXXX  - Experian - Creditor Name - XXXX - Dates of Inquires - XX/XX/XXXX - XX/XX/XXXX XXXX -XXXX - Experian -Creditor Name XXXX XXXX XXXX - Dates of Inquires - XX/XX/XXXX XXXX  -XXXX  - Experian - Creditor Name - XXXX -Dates of Inquires - XX/XX/XXXX XXXX -XXXX  - Experian -Creditor Name - XXXX XXXX - Dates of Inquires - XX/XX/XXXX XXXX -XXXX - Experian - Creditor Name - XXXX  -Dates of Inquires - XX/XX/XXXX XXXX -XXXX - Experian - Creditor Name - XXXX  - Dates of Inquires - XX/XX/XXXX XXXX -XXXX - Experian - Creditor Name - XXXX XXXX - Dates of Inquires - XX/XX/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