Consumer complaint received 2018-07-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX EXPERIAN /XXXX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following inquiry needs to be removed immediately : Creditor XXXX/XXXX  Inquiry from XX/XX/XXXX Explanation : These are all in a 30 day period of 15 other inquiries. None of which resulted in a loan, nor do I recognize any of them 30-day buffer : A mortgage, auto or student loan inquiry is ignored entirely by the scoring formula for 30 days following the credit pull.

45-day dedup ( pronounced dee-doop, short for deduplication ) : Any number of these inquiries can have occurred during any rolling 45-consecutive-day period within the past year, and yet the score will consider only one.

The following inquiry needs to be removed immediately : BELOW XX/XX/XXXX/XX/XX/XXXX : 5 INACCURATE ALL SAME INQUIRY???

Creditor Name : XXXX XXXX XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Name : XXXX XXXX XXXX XXXX XX/XX/XXXX Mortgage Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Name : XXXX XXXX XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, RI XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX   ) XXXX XXXX  Inquiry from XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Mortgage Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX BELOW XX/XX/XXXX 5 INACCURATE ALL SAME INQUIRY : Name : Factual Data Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX+ Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX +Miscellaneous Reptg. Agencies XX/XX/XXXX/XX/XX/XXXX : 3 SAME INQUIRIES XXXX XXXX   Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX   Inquiry from XX/XX/XXXX XX/XX/XXXX : 2 SAME INQUIRIES INACCURATE - XXXX XXXX Inquiry from XX/XX/XXXX - Name : XXXX Inquiry from XX/XX/XXXX -Miscellaneous Reptg. Agencies XX/XX/XXXX : 2 SAME INQUIRY DUPLICATE IN 30 DAYS.

Name : XXXX XXXX XXXX.

XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX REASONS INQUIRIES ARE INACCURATE Explanation : These are all in a 30 day period of 15 other inquiries. None of which resulted in a loan, nor do I recognize any of them. Not one is a factual loan on my 3 reports. All three have similar errors Ive listed them in this letter.

30-day buffer : A mortgage, auto or student loan inquiry is ignored entirely by the scoring formula for 30 days following the credit pull.

45-day dedup ( pronounced dee-doop, short for deduplication ) : Any number of these inquiries can have occurred during any rolling 45-consecutive-day period within the past year, and yet the score will consider only one.

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 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 non-monetary relief