Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: CT
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:
I am writing to express my concern and frustration regarding my previous attempts to have unauthorized inquiries removed from my credit report. Despite multiple requests, the inquiries in question have not been properly investigated or removed, which is adversely affecting my credit score and financial well-being.

I first became aware of unauthorized inquiries on my credit report. Upon reviewing my credit report, I found inquiries that I did not initiate or authorize.

Concerned about the potential impact on my credit score and financial standing, I immediately contacted your customer service department to report the unauthorized inquiries. 

In my initial communication, I provided all the necessary information and documentation to support my claim that these inquiries were not legitimate and should be removed from my credit report. 

I received an acknowledgment of my complaint and was informed that an investigation would be conducted to verify the validity of the inquiries. I was also told that I would receive updates regarding the progress of the investigation. 

Despite these assurances, I have not received any updates on the status of the investigation, and the unauthorized inquiries remain on my credit report as of today, XXXX XXXX. 

Once again, I was assured that the matter would be investigated promptly, and the unauthorized inquiries would be removed. However, I have not seen any action taken in this regard. 

The presence of these unauthorized inquiries on my credit report is adversely affecting my credit score and my ability to secure credit and financial opportunities. I have taken all necessary steps to report and rectify this issue, and yet, it remains unresolved. 

I urgently request that you take immediate and concrete actions to investigate and remove these unauthorized inquiries from my credit report. I expect a swift resolution to this issue, including the removal of all unauthorized inquiries within the exact timeframe. Furthermore, I insist on receiving regular updates regarding the progress of this matter to ensure transparency and accountability. 

If the unauthorized inquiries are not removed from my credit report within the specified timeframe, I will have no choice but to escalate this matter further, including seeking legal remedies to protect my rights as a consumer. I trust that such actions can be avoided, and I hope for a timely and amicable resolution. Please assist me to remove the following fraudulent inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation