Consumer complaint received 2019-05-04
Company: Experian Information Solutions Inc.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
For more than a year I have been sending letters to Experian demanding compliance with fcra section 609 & other subsections about hard inquiries. For more than a year LITERALLY! MORE THAN A YEAR! For more than a year Experian has ignored my letters! 

A copy of a Letter is being enclosed in this complaint. Some personal information has been removed from the Letter to comply with CFPB website instructions. Experian will still have that information! 





. 
EXPERIAN XXXX. XXXX XXXX XXXX, Texas XXXX Date : XX/XX/XXXX. 






Re : Letter to Remove Inaccurate Credit Information! 

Hard Inquiries. 


To XXXX XXXX. & Experian & Others Whom It May Concern : I received a copy of my credit report and found the following items to be errors. Here as follows are items in error :. 


1 } The following inquiry needs to be softened or removed immediately : Creditor Name : XXXX XXXX Date- XX/XX/XXXX Explanation : I would like to be provided written proof if I supposedly 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 softened or removed immediately! 



2 } The following inquiries need to be softened or removed immediately : Creditor Name : XXXX XXXX XXXX Dates - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Explanation : I would like to be provided written proof if I supposedly consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of these inquiries via FCRA section 623. If you have no proof immediately of any or one, I would like it softened or removed immediately! 



3 } The following inquiry needs to be softened or removed immediately : Creditor Name : XXXX XXXX XXXX XXXX XXXX Date- XX/XX/XXXX Explanation : I would like to be provided written proof if I supposedly 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 itsoftened or removed immediately! 



4 } The following inquiry needs to be softened or removed immediately : Creditor Name : XXXX XXXX. 


Date- XX/XX/XXXX Explanation : I would like to be provided written proof if I supposedly 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 softened or removed immediately! 




5 } The following inquiry needs to be softened or removed immediately : Creditor Name : XXXX XXXX XXXX Date- XX/XX/XXXX Explanation : I would like to be provided written proof if I supposedly 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 softened or 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 soften or remove any information that the creditor does not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you should have completed this re-investigation within 30 days of receipt of my first 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 help in this matter. 

. 
Sincerely, ___________________________________ .. 
. 


-- -- Personal Statement : IMPORTANT NOTE TO IDENTITY THIEVES - Do ****NOT**** steal my identity! Do ****NOT**** commit credit card fraud against me! 

I am 1 of those people who frequently checks credit reports! 

I check all 3 of the Big 3! 


I also check smaller credit reporting companies - including XXXX & XXXX & others! 

- ****If u commit credit card fraud against me - u will have a higher chance of getting caught! **** - If u commit fraud against someone who doesn't pay attention to those kinds of things - u will have a lower chance of getting caught! 

So leave me alone! 

-- --

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