Consumer complaint received 2023-10-01
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Consumer Financial Protection Bureau, I hope this letter finds you in good health. I am writing to seek your assistance in a matter concerning my credit report with Experian. Despite my best efforts, I have encountered significant difficulties in having certain hard inquiries removed from my report. After exhausting all reasonable channels of resolution, I am seeking further escalation and intervention from the Consumer Financial Protection Bureau. 
To provide context, I have diligently followed the established procedures outlined by Experian for disputing inaccurate information on my credit report. Unfortunately, despite my persistent efforts, these inquiries remain on my report, adversely impacting my creditworthiness. I have attached copies of relevant correspondence and supporting documentation for your reference. 
It has come to my attention that there may be a backlog or delay within Experian 's resolution process, which is causing these inquiries to persist on my report. Given the importance of an accurate credit report in various aspects of personal finance, including securing loans and obtaining favorable interest rates, this issue is of utmost concern to me.

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter. If there are any additional steps or resources available to expedite the resolution process, I would greatly appreciate your guidance and support. My ultimate goal is to have these inaccurate hard inquiries promptly removed from my credit report. 
I can be reached at XXXX or XXXX should you require any further information or clarification regarding my case. I would be more than willing to provide any additional documentation or details that may aid in your assessment. 
Thank you for your time and consideration. I look forward to your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Product Qty Unit Price Price -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Priority Mail XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MI XXXX Expected Delivery Date XXXX XX/XX/XXXX Tracking # : XXXX XXXX Up to XXXX included Total XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Grand Total : XXXX  -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Credit Card Remit XXXX Card Name : XXXX XXXX  # : XXXX Approval # : XXXX Transaction # : XXXX Receipt # : XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX : Not Required -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Text your tracking number to XXXX ( XXXX ) to get the latest status. Standard Message and Data rates may apply. You may also visit XXXX USPS Tracking or call XXXX. 

Save this receipt as evidence of insurance. For information on filing an insurance claim go to XXXX XXXX XXXX or call XXXX Preview your Mail Track your Packages Sign up for FREE XXXX XXXX XXXX XXXX All sales final on stamps and postage.

Refunds for guaranteed services only. 
Thank you for your business. 

Tell us about your experience. 
Go to : [ XXXX XXXX XXXXXXXX? XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX  : XXXX Receipt # : XXXXXXXX XXXX  : XXXX Privacy Act Statement : Your information will be used to provide you with an electronic receipt for your purchase transaction via email. Collection is authorized by 39 USC 401, 403, and 404. Providing the information is voluntary, but if not provided, we will be unable to process your request to receive an electronic receipt. We do not disclose your information to third parties without your consent, except to facilitate the transaction, to act on your behalf or request, or as legally required. This includes the following limited circumstances : to a congressional office on your behalf ; to financial entities regarding financial transaction issue

s ; to a U.S. Postal Service auditor ; to entities, including law enforcement, as required by law or in legal proceedings ; to contractors and other entities aiding us to fulfill the service ( service providers ) ; to process servers ; to domestic government agencies if needed as part of their duties ; and to a foreign government agency for violations and alleged violations of law. For more information on our privacy policies visit XXXX. 



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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