Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
The following personal information, credit reporting accounts and unauthorized inquiries will need to be DELETED from all three credit reporting bureaus.
DELETE - XXXXXXXX XXXX XXXX  DELETE - XXXX  XXXX XXXX XXXX XXXX TX XXXX
DELETE - XXXX XXXX XXXX TX XXXX
DELETE - XXXX
DELETE - Credit Inquiries
Inquiry 1			
Inquiry Date	
XX/XX/XXXX1
Creditor Name
XXXX XXXX  XXXX XXXX  Creditor Address	

Creditor Phone	

Inquiry 2			
Inquiry Date	-	-	XX/XX/XXXX
Creditor Name	-	-	XXXX XXXX XXXX XXXX
Creditor Address	-	-	XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX  Creditor Phone	-	-	Mail Only
Inquiry 3			
Inquiry Date	-	-XX/XX/XXXX
Creditor Name	-	-	XXXX XXXX  XXXX  Creditor Address	-	-	-
Creditor Phone	-	-	-
Inquiry 4			
Inquiry Date	-	-	XX/XX/XXXX
Creditor Name	-	-	XXXX XXXX XXXX XXXX
Creditor Address	-	-	XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX  Creditor Phone	-	-	Mail Only
Inquiry 5			
Inquiry Date	-	XX/XX/XXXXCreditor Name	-	XXXX XXXX	-
Creditor Address	-	-	-
Creditor Phone	-	-	-
Inquiry 6			
Inquiry Date	-	XX/XX/XXXX	-
Creditor Name	-	XXXX XXXX  -
Creditor Address	-	-	-
Creditor Phone	-	-	-
Inquiry 7			
Inquiry Date	-	XX/XX/XXXX	-
Creditor Name	-	XXXX XXXX XXXX
Creditor Address	-	-	-
Creditor Phone	-	-	-
Inquiry 8			
Inquiry Date	-	XX/XX/XXXX-
Creditor Name	-	XXXX XXXX	-
Creditor Address	-	-	-
Creditor Phone	-	-	-
Inquiry 9			
Inquiry Date	XX/XX/XXXX	-	-
Creditor Name	XXXX/XXXX XXXX XXXX	-	-
Creditor Address	Po XXXX XXXX XXXX XXXX SD XXXX  -	-
Creditor Phone	XXXX XXXX  -	-
Inquiry 10			
Inquiry Date	XX/XX/XXXX-	-
Creditor Name	XXXX	-	-
Creditor Address	XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX  -	-
Creditor PhoneXXXX XXXX	-	-
Inquiry 11			
Inquiry Date	XX/XX/XXXX	-	-
Creditor Name	XXXX XXXX XXXX XXXX  -
Creditor Address	XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX	-	-
Creditor Phone	XXXX  XXXX  

Inquiry 12			
Inquiry Date	XX/XX/XXXX	-	-
Creditor Name	XXXX	

Creditor Address	XXXX XXXX  XXXX XXXX XXXX XXXX SD XXXX  Creditor Phone	XXXX XXXX  
Inquiry 13			
Inquiry Date	XX/XX/XXXXCreditor Name	XXXX XXXX XXXX  

Creditor AddressXXXX XXXX XXXX XXXX XXXX XXXX UT XXXX  -	-
Creditor Phone	XXXX XXXX Inquiry 14			
Inquiry DateXX/XX/XXXX	

Creditor Name	XXXX XXXX XXXX XXXX XXXX	

Creditor Address	XXXX XXXX XXXX XXXX XXXX TX XXXX  Creditor Phone	(XXXX XXXX  

Inquiry 15			
Inquiry Date	XX/XX/XXXX
Creditor Name	XXXX XXXX XXXX	

Creditor Address	XXXX XXXX XXXX  XXXX XXXX CO XXXX  Creditor Phone	(XXXX XXXX	

Account 2			
Account	-	-XXXX XXXX  Account Number	-	-XXXX
Account Type	-	-	Revolving
Account Condition	-	-	Closed
Date Opened	-	-XX/XX/XXXXHigh Balance	-	- XXXX  Monthly Payment	-	-	$XXXX  Account Balance	-	-	XXXX
Last Reported	-	-	XX/XX/XXXX
Amount Past Due	-	-	$XXXX  Limit	-	-	$XXXX  Remarks	-	-	Charged Off Account
Responsibility	-	-	Individual Account
Past Due - 30 Days	-	-	2
Past Due - 60 Days	-	-	1
Past Due - 90 Days	-	-	21
Account	-XXXX	-
Account Number	-	XXXX XXXX  Account Type	-	Revolving	-
Account Condition	-	Closed	-
Date Opened	- XXXX XXXX  High Balance	-	XXXX	-
Monthly Payment	-	$XXXX  -
Account Balance	-	XXXX XXXX
Last Reported	-	XX/XX/XXXXAmount Past Due	-	$XXXX  -
Limit	-	$XXXX  -
Remarks	-	Profit And Loss Writeoff
-
Responsibility	-	Individual Account	-
Past Due - 30 Days	-	XXXX  -
Past Due - 60 Days	-	XXXX  -
Past Due - 90 Days	-	XXXX  Account	-	XXXX XXXX	-
Account Number	-	XXXX XXXX
Account Type	-	Revolving	-
Account Condition	-	Closed	-
Date Opened	-	XXXX4	-
High Balance	-	$XXXX  -
Monthly Payment	-	$XXXX  -
Account Balance	-	$XXXX	-
Last Reported	-	XX/XX/XXXX	-
Amount Past Due	-	$XXXX  -
Limit	-	$XXXX  -
Remarks	-	Profit And Loss Writeoff
-
Responsibility	-	Individual Account	-
Past Due - 30 Days	-	XXXX  -
Past Due - 60 Days	-	XXXX  -
Past Due - 90 Days	-	XXXX  -
Account	-	XXXX	-
Account Number	-	XXXX	-
Account Type	-	Revolving	-
Account Condition	-	Indeterminate	-
Date Opened	-	XX/XX/XXXX	-
High Balance	-	$XXXX	-
Monthly Payment	-	$XXXX  -
Account Balance	-	$XXXX  -
Last Reported	-XX/XX/XXXX	-
Amount Past Due	-	$XXXX  -
Limit	-	$XXXX  -
Remarks	-	Purchased By Another Lender
-
Responsibility	-	Individual Account	-
Past Due - 30 Days	-	XXXX  -
Past Due - 60 Days	-	XXXX  -
Past Due - 90 Days	-	XXXX  -
Account	XXXX XXXX XXXX	-	-
Account Number	XXXX  -	-
Account Type	Revolving	-	-
Account Condition	Closed	-	-
Date Opened	XX/XX/XXXX	-	-
High Balance	$XX/XX/XXXX	-	-
Monthly Payment	$XX/XX/XXXX-	-
Account Balance	$XXXX XXXX	-
Last Reported	XX/XX/XXXX-	-
Amount Past Due	$XX/XX/XXXX-	-
Limit	$XX/XX/XXXX-	-
Remarks	-	-	-
Responsibility	Individual	-	-
Past Due - 30 Days	1	-	-
Past Due - 60 Days	2	-	-
Past Due - 90 Days	4	-	-
	
Account	XXXX XXXX XXXX XXXX  -	-
Account Number	XXXX  -	-
Account Type	Revolving	-	-
Account Condition	Closed	-	-
Date Opened	XX/XX/XXXX	-	-
High Balance	$XX/XX/XXXX-	-
Monthly Payment	$XX/XX/XXXX-	-
Account Balance	XXXX	-	-
Last Reported	XXXX  -	-
Amount Past Due	$XX/XX/XXXX-	-
Limit	$XX/XX/XXXX-	-
Remarks	-	-	-
Responsibility	Individual	-	-
Past Due - 30 Days	2	-	-
Past Due - 60 Days	1	-	-
Past Due - 90 Days	2	-	-
Account	XXXX	-	-
Account Number	XXXX XXXX	-
Account Type	Revolving	-	-
Account Condition	Indeterminate	-	-
Date Opened	XX/XX/XXXX	-	-
High Balance	$XX/XX/XXXX-	-
Monthly Payment	$XX/XX/XXXX-	-
Account Balance	$XX/XX/XXXX-	-
Last Reported	XX/XX/XXXX-	-
Amount Past Due	$XX/XX/XXXX-	-
Limit	$XX/XX/XXXX-	-
Remarks	-	-	-
Responsibility	Individual	-	-
Past Due - 30 Days	1	-	-
Past Due - 60 Days	1	-	-
Past Due - 90 Days	4	-	-
Account	-	-	XXXX XXXX XXXX
Account Number	-	-	XXXX  Account Type	-	-	Realestate
Account Condition	-	-	Open
Date Opened	-	-	XX/XX/XXXX1
High Balance	-	-	$XXXX  Monthly Payment	-	-	$XX/XX/XXXXAccount Balance	-	-	$XXXX
Last Reported	-	-XX/XX/XXXXAmount Past Due	-	-	$XX/XX/XXXXLimit	-	-	$XX/XX/XXXXRemarks	-	-	-
Responsibility	-	-	Joint Account
Past Due - 30 Days	-	-	1
Past Due - 60 Days	-	-	1
Past Due - 90 Days	-	-	XX/XX/XXXXAccount	-	XXXX XXXX  -
Account Number	-	XXXX  -
Account Type	-	Realestate	-
Account Condition	-	Closed	-
Date Opened	-	XX/XX/XXXXHigh Balance	-	XXXX	-
Monthly Payment	-	$XX/XX/XXXX-
Account Balance	-	$XX/XX/XXXX-
Last Reported	-	XX/XX/XXXX	-
Amount Past Due	-	$XX/XX/XXXX-
Limit	-	$XX/XX/XXXX-
Remarks	-	Dispute Resolved; Customer Disagrees
-
Responsibility	-	Joint Account	-
Past Due - 30 Days	-	1	-
Past Due - 60 Days	-	XXXX  -
Past Due - 90 Days	-	5	-
Account	XXXX XXXX XXXX	-	-
Account Number	XXXX  -	-
Account Type	Real Estate	-	-
Account Condition	Open	-	-
Date Opened	XX/XX/XXXX	-
High Balance	$XX/XX/XXXX-	-
Monthly Payment	XXXX	-	-
Account Balance	XXXX	-	-
Last Reported	XX/XX/XXXX-	-
Amount Past Due	$XX/XX/XXXX-	-
Limit	$XX/XX/XXXX-	-
Remarks	Account Previously In Dispute  Now Resolved  Reported By Subscriber
Account Previously In Dispute  Now Resolved, Reported By Data Furnisher (To Be Used For Fcra Or Fcba Disputes)
-	-
Responsibility	Joint Account	-	-
Past Due - 30 Days	1	-	-
Past Due - 60 Days	1	-	-
Past Due - 90 Days XXXX  -	-
Account	-	-XXXX XXXX XXXX
Account Number	-	-	XXXX
Account Type	-	-	Installment
Account Condition	-	-	Closed
Date Opened	-	-	XX/XX/XXXXHigh Balance	-	-	$XX/XX/XXXXMonthly Payment	-	-	$XX/XX/XXXXAccount Balance	-	-	XXXX
Last Reported	-	-	XX/XX/XXXX
Amount Past Due	-	-	$XX/XX/XXXXLimit	-	-	$XX/XX/XXXXRemarks	-	-	Charged Off Account
Responsibility	-	-	Individual Account
Past Due - 30 Days - - 0 Past Due - 60 Days	-	-	0
Pt	-	-	XXXX XXXX
Account Number	-	-	XXXX  Account Type	-	-	Installment
Account Condition	-	-	Closed
Date Opened	-	-XX/XX/XXXXHigh Balance	-	-	$XX/XX/XXXXMonthly Payment	-	-	$XX/XX/XXXXAccount Balance	-	-	$XX/XX/XXXXLast Reported	-	-	XX/XX/XXXXAmount Past Due	-	-	$XX/XX/XXXXLimit	-	-	$XX/XX/XXXXRemarks	-	-	-
Responsibility	-	-	Individual Account
Past Due - 30 Days	-	- XXXX  Past Due - 60 Days	- - 0 Past Due - 90 Days	- - XXXX  Due - 90 Days	-	-	25
Account	-	XXXX  -
Account Number	-	XXXX  -
Account Type	-	Installment	-
Account Condition	-	Closed	-
Date Opened	-	XX/XX/XXXX	-
High Balance	-	XX/XX/XXXX- Monthly Payment	-	$XX/XX/XXXX-
Account Balance	-	XXXX  -
Last Reported	-	XX/XX/XXXX	-
Amount Past Due	-	$XX/XX/XXXX-
Limit	-	$XX/XX/XXXX-
Remarks	-	Profit And Loss Writeoff
-
Responsibility	-	Individual Account	-
Past Due - 30 Days	-	XX/XX/XXXX-
Past Due - 60 Days	-	XX/XX/XXXX-
Past Due - 90 Days	-	XX/XX/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