Consumer complaint received 2017-03-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I checked my credit report and saw the numerous of unauthorized inquiries on all the credit bureau reports. Unknowingly, I submitted numerous of online disputes of which no removals were made. One of the inquiries is from XXXX, in which it was a fraudulent matter and a Customer Service Specialist from XXXX Consumer Dispute Verifications XXXX department, mailed a formal letter - dated XX/XX/XXXX - requesting a removal from both Experian and XXXX. As of today, XXXX has removed the XXXX inquiry ; however Experian still has refused to remove it. 
Another troubling dispute is for a charge card that I have never owned! The alleged name of the creditor is XXXX with type " Charge Card ''. Not to mention the numerous of credit card inquiry invasions from XXXX, XXXX, XXXX, XXXX, XXXX and the list continues on. It is frightening how companies gain access to people 's credit reports, and one will never know until they check. Another troubling one is from a doctor 's office creditor ( XXXX ), of which I stated that bill was paid in full. I have submitted a copy of the claim that my insurance paid for a portion of it ( I had paid the balance off ). 
I took it a step further and mailed formal complaints via USPS Certified Mail - to all 3 credit bureaus - requesting for all soft and hard inquiries to be removed - with supporting documentation included. I submitted a formal letter as well, stating that I did not authorize any company to view my reports. 2 requests were delivered on XX/XX/XXXX and the last on XX/XX/XXXX. All three credit bureaus still refused to remove all of the inquiries. 

I made a second attempt and mailed once again, formal complaints via USPS Certified Mail - to all 3 credit bureaus - requesting for all soft and hard inquiries to be removed - with supporting documentation included, and a formal letter that I did not authorize those companies to view my reports. 2 were delivered on XX/XX/XXXX and the last on XX/XX/XXXX. All three credit bureaus still refused to remove all of the inquiries. 

There is something else you should be made aware of as well. Experian and XXXX are not forthcoming with their correct mailing addresses. I researched numerous of complaints acknowledging wrong P.O. Boxes and zip codes posted. Even to the point where customer service reps are proving false mailing information. I have attached ( under " capture ' ), the USPS delivery confirmations, that are completely different than what is on their website vs. other websites. It is misleading to the point that when I went to the post office ( 2x ), the clerk told me that certain zip codes were not in their database! Example, XXXX gave a zip code of XXXX. The post office clerk said there is no such number in their database. The clerk said XXXX is the zip code for the post office box given. However, there was delay ( just like the first time ), because it was actually delivered to XXXX ... .but to a completely different post office box! This is to throw people off. XXXX is another misleading company. Directly on their website, it reads XXXX XXXX, XXXX, PA XXXX. In addition to my research on them, consumers have stated their mail came back due to the wrong P.O. Box number. Some were told to use XXXX, XXXX. However, the post office clerk said there was no such zip code of XXXX and XXXX was the correct zip code - in XXXX, PA! And yes, both of my certified mailing was delivered to XXXX, PA. 

I have attached as many supporting documents as possible. The only inquiry I was told that will remain is the student loan-by Federal Law-until it is paid in full. I am seeking your assistance in a resolve from all of these credit bureaus to clean my report.

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