Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: MI
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 Monday, XX/XX/2023 XXXX Experian Subject : Dispute of Inaccurate Consumer Report Information Dear Sir/Madam, I am writing XXXX and Experian to bring to your attention a matter of utmost importance. There are inquiries listed in my consumer report that do not pertain to any transactions initiated by me, as stipulated under 15 U.S. Code 1681c2.

Upon a careful review of my consumer report, I have identified the following inquiries that I believe to be inaccurately associated with my credit history : XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX - XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 These inquiries have raised concerns regarding the accuracy and integrity of my consumer report. As per the provisions of 15 U.S. Code 1681c2, it is imperative that the information contained within my consumer report accurately reflects my credit history and transactions. The presence of inquiries unrelated to my activities compromises the reliability and fairness of the report, potentially affecting my creditworthiness and future opportunities.

In light of these discrepancies, I demand that you remove them from my consumer report immediately, as they are not indicative of any transactions initiated by me. I further request that you provide me with a revised copy of my consumer report once the necessary rectifications have been made.

I trust that you will treat this matter with the utmost urgency and undertake a comprehensive review of my consumer report to rectify the inaccuracies in a timely manner. Failure to address this matter appropriately may result in the escalation of my concerns to the appropriate regulatory authorities.

As 15 U.S. Code 1681c2 states once you receive this information, which will be immediately as I will be submitting through the CFPB, you must block this information not later than 4 business days after the date of receipt of : ( 1 ) appropriate proof of the identity of theconsumer ; ( 2 ) a copy of anidentity theft report ; ( 3 ) the identification of such information by theconsumer ; and ( 4 ) a statement by theconsumerthat the information is not information relating to any transaction by theconsumer. 

Which all are in this document. 

This document is drafted by me, XXXX XXXX. It is not made in error nor a misrepresentation of fact. 

Additionally, as mandated by the Fair Credit Reporting Act ( FCRA ), I request that you furnish me with written notification of the actions taken within 30 days from the receipt of this letter. 

Thank you for your immediate attention to this matter. 
Sincerely, 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 non-monetary relief