Consumer complaint received 2021-12-23
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Last XXXX of XXXX : XXXX Re : Follow-up Letter to Remove Inaccurate Credit Information I received notice that you verified certain items on my credit report from the companies listed below. I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX. ADS/COMENITY//VICTORIA/Account number XXXX XXXX. XXXX BANK AND XXXX Account number XXXX XXXX. XXXX XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX Account number XXXX XXXX. XXXX XXXX Account number XXXX XXXX. XXXX XXXX Account number XXXX XXXX. WEBBANK/FINGERHUT FRESHS/ Account number XXXX ( Charge Off ) Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, TitlXXXX VI, Section 611, Subsection A-D, please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. 
Supply your response within 15 days or delete the trade-lines. 
Please mail me an updated complete credit report after you have completed your Investigation and corrections. 

RE : Account Number To Whom It May Concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows : Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
Address : Please be sure that my address is listed correctly. This is NOT a business address. This is my home address. My address should read : XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX Employer : XXXX XXXX Phone Number : ( XXXX ) XXXX Social Security Number : XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card for your verification.

Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiry on my Experian Credit Report. I recently retrieved my credit report and it showed XXXX credit inquiries that I have no knowledge of ever authorizing. 

I am writing to dispute the following inquiry and asking for its removal from my credit report. 

Creditor Name Date of Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX BANK TEXAS XX/XX/XXXX XXXX XXXX XXXX BANK XX/XX/XXXX Please have this unapproved, unauthorized inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

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 explanation