Consumer complaint received 2021-03-24
Company: Experian Information Solutions Inc.
State: NC
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: Was not notified of investigation status or results

Complaint:
have sent multiple requests for investigations into items on my credit reports that are reporting incorrectly. The bureau has not only ignored my requests, but they have refused to send me documentation on how they have verified information on my reports. 

I have sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In the final letter on XX/XX/XXXX I explained that if they continued to ignore my requests I would be forced to file a complaint and have my attorney file a suit against them for infringing on my FCRA rights. 

The following items need to be removed immediately. I have allowed more than the time that is legally allowed to complete an investigation. If these Items aren't removed immediately I will file a suit against the bureau. 

Credit Inquiry from COAF, Inquiry Info : Type : Finance/Personal - XX/XX/XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX Inquiry Info : Type : Finance/Personal - XX/XX/XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX, Inquiry Info : Type : Finance/Personal - XX/XX/XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX, Inquiry Info : Type : Finance/Personal - XX/XX/XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX, Inquiry Info : Type : Automotive - XX/XX/XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX, Inquiry Info : Type : Bank - XX/XX/XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX XXXX  Inquiry Info : Type : XXXX XXXX - XX/XX/XXXX Reason : This inquiry was not authorized Creditor : XXXX XXXX, Account : XXXX Reason : I need to see the docs that the creditor sent to you that were used during the investigation to make the determination that this account is accurate. No proof? Then you can not report I have requested over and over for you to show me verification of the accuracy of this account and you have ignored my requests. Delete this account immediately. 

Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ), Account : XXXX Reason : I need to see the docs that the creditor sent to you that were used during the investigation to make the determination that this account is accurate. No proof? Then you can not report I have requested over and over for you to show me verification of the accuracy of this account and you have ignored my requests. Delete this account immediately. 

Creditor : XXXX XXXX, Account : XXXX Reason : I need to see the docs that the creditor sent to you that were used during the investigation to make the determination that this account is accurate. No proof? Then you can not report I have requested over and over for you to show me verification of the accuracy of this account and you have ignored my requests. Delete this account immediately. 

Creditor : XXXX  Account : XXXX Reason : I need to see the docs that the creditor sent to you that were used during the investigation to make the determination that this account is accurate. No proof? Then you can not report I have requested over and over for you to show me verification of the accuracy of this account and you have ignored my requests. Delete this account immediately.

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