Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: MO
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 had a previous CFPB complaint with Experian, XXXX, and XXXX. However, the information i gave to both XXXX and XXXX are wrong. In the end, Experian was able to remove all the incorrect and inaccurate information on my profile. With this new complaint to XXXX and XXXX, I want to clarify and correct the incorrect and inaccurate information that should be deleted off my account. 

This was my last CFPB complaint description ( Now with correct information & names, please see the now corrected request to delete the inaccurate info ) : I was looking at my credit report for the first time in a long time and I was surprised to see many many unauthorized inquiries. I am not a credit person. I dont know how there could be that many inquiries under my name. I sent in a letter to experian, XXXX, and XXXX regarding inaccurate information on my account already but they only removed some information. I had no luck with all the other unauthorized and inaccurate info listed on my credit profiles. 

These are the unauthorized inquiries that I saw XXXX reporting... 
XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX On my XXXX report I saw an inaccurate inquiry from... 
US DEPARTMENT OF EDU XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX I also noticed some accounts from XXXX XXXX  XXXX on my report which I did not open or use. Credit reporting laws ensure that bureaus only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The listed information above therefore needs to be re-investigated and removed because it is inaccurate! The presence of inaccurate information such as the unauthorized XXXX XXXX account seen on my credit report is adversely affecting and impeding my ability to obtain necessary credit. Please close and delete any accounts associated with XXXX XXXX XXXXXXXX because it is not mine! 


All this inaccurate information should not be linked to my credit report anymore and is 100 % inaccurate. Again, credit reporting laws ensure that bureaus only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The listed information above therefore needs to be re-investigated and removed because it is inaccurate! The presence of inaccurate information on my credit report is adversely affecting and impeding my ability to obtain necessary credit. Please remove this information off my credit report. If not, I am requesting that an investigation be launched as according to Federal FCRA LAWS. I am in utter disagreement with mentioned accounts, inquiries, late payments on my credit report. If an investigation is launched, in accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide me with the names and businesses addresses of each individual with whom you verified the informations with so that I can follow up. Please foward me an updated credit report after any corrections. I really appreciate your help through this situation of mine. Here below I have my report number for my IDENTITYTHEFT.GOV report. I also included the identity theft government report in my attached files at the bottom of this report. XXXX My report with the XXXX ( XXXX XXXX XXXX ) is also in the process of filing. After calling and speaking with representative after representative and not being able to fix my problem, I am frustrated and done. Ive now sent letters to investigate the inaccurate information directly to the 3 major credit bureaus as well. Please help me resolve my credit report and make sure everything is correctly reported as according to federal FCRA Laws. Thank you so much.

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