Consumer complaint received 2023-08-11
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, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Subject : Disputing Unauthorized Inquiries and Incorrect Account Information To Whom It May Concern, I am writing to formally dispute and request the removal of several unauthorized credit inquiries and incorrect account information from my credit report. I have carefully reviewed my credit report and identified several instances where violations of fair credit reporting practices have occurred, thus necessitating your immediate attention to rectify these matters. 

Unauthorized Inquiry - XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX Violation : Did not consent to unauthorized inquiry Violated Law : Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( B ) Unauthorized Inquiry - XXXX Date of Inquiry : XX/XX/XXXX Violation : The inquiry was not authorized Violated Law : Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( B ) Unauthorized Inquiry - XXXX Date of Inquiry : XX/XX/XXXX Violation : The inquiry was not authorized Violated Law : Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( B ) Unauthorized Inquiry XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Violation : Did not consent to unauthorized inquiry Violated Law : Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( B ) Unauthorized Inquiry - XXXX Date of Inquiry : XX/XX/XXXX Violation : Did not consent to unauthorized inquiry Violated Law : Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( B ) Incorrect Account Information - XXXX Account Number : XXXX Violation : Please remove it from my credit report. 
Violated Law : Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ) Incorrect Account Information - XXXX XXXX  Account Number : XXXX Violation : Please remove it from my credit report. 
Violated Law : Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ) Incorrect Account Information - XXXX XXXX XXXX Account Number : XXXX Violation : Please remove it from my credit report. 
Violated Law : Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ) Incorrect Account Information - XXXX XXXX Account Number : XXXX Violation : Please remove it from my credit report. 
Violated Law : Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ) Incorrect Account Information - XXXX XXXX Account Number : XXXX Violation : Please remove it from my credit report. 
Violated Law : Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ) Incorrect Personal Information Also Known As : XXXX XXXX Violation : The following personal information is incorrect Violated Law : Fair Credit Reporting Act ( FCRA ), Section 607 ( b ) ( 1 ) Incorrect Personal Information Previous Address : XXXX XXXX XXXX, XXXX, CA XXXX Violation : The following personal information is incorrect Violated Law : Fair Credit Reporting Act ( FCRA ), Section 607 ( b ) ( 1 ) Incorrect Personal Information Previous Address : XXXXXXXX XXXX XXXX XXXX, XXXX, CA XXXX Violation : The following personal information is incorrect Violated Law : Fair Credit Reporting Act ( FCRA ), Section 607 ( b ) ( 1 ) Unauthorized Inquiry - XXXX Date of Inquiry : XX/XX/XXXX Violation : The inquiry was not authorized Violated Law : Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( B ) I demand that these violations be addressed in accordance with the Fair Credit Reporting Act. An expeditious resolution is expected within 15 days, as mandated by law. I appreciate your cooperation in correcting these inaccuracies and providing written confirmation of the actions taken. 

Thank you for your prompt attention to this matter. I anticipate a swift resolution. 


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