Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, XXXX  XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. 
I have mailed my dispute letter XX/XX/XXXX. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. 
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ), you may be liable for your willful noncompliance. 
For the record, the following information is being erroneously included on my credit report, as I have advised you more than 30 days ago : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. Please remove it from my credit report. 
11. I have not been late on this account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
12. 15 USC 1666 XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
13. 15 USC 1666 XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
14. 15 USC 1666 XXXX XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
15. I have not been late on this account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
16. I have not been late on this account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
17. I have not been late on this account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
18. I have not been late on this account XXXX XXXX  Account Number : XXXXPlease remove this inaccurate information from my credit report. 
19. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXXPlease remove it from my credit report. 
20. The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXXPlease remove it from my credit report. 
21. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXXPlease remove it from my credit report. 
22. I have not been late on this account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission. 
Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from you. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable. 
Be advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Sincerely, XXXX 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 non-monetary relief