Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to formally dispute several items on my credit report that I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). I kindly request your assistance in addressing these matters and enforcing my legal rights. 

Unauthorized Inquiry by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have recently discovered an unauthorized credit inquiry by XXXX XXXX XXXX on my credit report dated XX/XX/XXXX. I have no recollection of authorizing this inquiry and, as such, I request that this unauthorized inquiry be removed from my credit report immediately. 

Unauthorized Inquiry by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Similarly, I have identified an unauthorized credit inquiry by XXXX XXXX XXXX on my credit report dated XX/XX/XXXX. I did not provide consent for this inquiry, and I insist that this unauthorized inquiry be expunged from my credit report without delay. 

Questionable Account Information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am disputing the accuracy of the account information associated with XXXX XXXX XXXX XXXX XXXX  The name and number of this account raise concerns regarding its legitimacy. I kindly request either clarification of this information or the immediate removal of this account from my credit report. 

Questionable Account Information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Similarly, I am disputing the accuracy of the account information linked to XXXX XXXX XXXX XXXX XXXX. The ambiguous nature of this account 's name and number warrants clarification or the prompt removal of this account from my credit report. 

Incorrect Personal Information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have identified an incorrect previous address listed on my credit report as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX '' This address is not associated with me and must be removed from my credit report immediately. 

Incorrect Personal Information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, there is an erroneous previous address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX '' I have never lived at this address, and I insist on its prompt removal from my credit report. 

I am deeply concerned about the impact of these inaccuracies on my creditworthiness and my ability to access financial opportunities. Credit plays a pivotal role in everyone 's life, and its misuse or inaccurate reporting can have far-reaching consequences. 

While I understand the importance of accurate reporting, I believe these items have been reported without proper verification. Therefore, I kindly request that you enforce the provisions of the FCRA and facilitate the removal of these unverified accounts from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt resolution of these disputes. Please provide me with updates on the progress of these investigations. 

Sincerely, XXXX 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