Consumer complaint received 2019-03-19
Company: Experian Information Solutions Inc.
State: MO
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 SSN : XXXX | DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, Mo. XXXX Attn : Complaint Department I am writing to dispute the following information in my file. I recently received a copy of my credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX For Inquiry from XX/XX/XXXX Automotive XXXX   Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX XXXX, XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX General Clothing Stores XXXX Inquiry from XX/XX/XXXX, XXXX Mail Order Firms Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity. 



XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, mo. XXXX SS : XXXX DOB : XX/XX/XXXX This is my second attempt in attempting to resolve the inaccuracies reporting on my credit report. 
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found several items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 


Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 












Name of Account : Account Number : Provide Physical Proof of Verification : XXXX XXXX XXXX / XXXX XXXX XXXX {$83.00} XXXX XXXX XXXX / XXXX Hospital {$180.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   {$420.00} XXXX XXXX XXXX /XXXX XXXX XXXX  {$720.00} XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$89.00} XXXX XXXX XXXX XXXX / XXXX {$340.00} XXXX XXXX XXXX/ XXXX XXXX XXXX {$1000.00} * NOTE : Please also remove all non-account holding inquiries over 30 days old.

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