Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
Hello I wrote a letter to XXXX XXXX, Experian, and XXXX regarding several accounts and inquiries on my credit report that are not accurate, XXXX replied to me in a letter saying they don't think its me or a responsible XXXX party trying to contact them when I gave all my personal information and a copy of my Drivers license and Social attached to the letter. That is irresponsible and they are trying to dismiss my letter which is wrong. I have never heard back from Experian or XXXX, not even notifying my that they even received my letters. 

XXXX XXXX # XXXX with XXXX Delivered XXXX Tracking # XXXX with XXXX Delivered Experian Tracking # XXXX with XXXX Delivered I told XXXX and Experian and XXXX I had XXXX Wrong Accounts : XXXX XXXX  Account # XXXX XXXX ) This account DATE OF LAST ACTIVITY shows XXXX on XXXX XXXX XXXX Shows XXXX on Experian and Shows XXXX on XXXX XXXX Which one is correct and Wrong : Please Delete Account. 

XXXX ) This account was LAST VERIFIED by XXXX XXXX on XXXX, by Experian NEVER and XXXX NEVER. This is incorrect, Please Delete the account. 

XXXX ) HIGH BALANCE shows {$10000.00} with XXXX, {$10000.00} EXP, and {$0.00} with XXXX- This is incorrect Please Delete this account. 

XXXX XXXX Account # XXXX XXXX ) This account DATE OF LAST ACTIVITY shows XXXX with XXXX, XXXX with EXP XXXX and XXXX with XXXX XXXX This is incorrect. Please Delete Account. 

XXXX ) This account was LAST VERIFIED XXXX with XXXX, Never Verified with EXPERIAN and NEVER verified with XXXX. This is wrong. Please Delete Account. 


XXXX XXXX Account # XXXX XXXX ) High Balance shows {$8400.00} with XXXX, {$8400.00} with EXP XXXX and {$0.00} with XXXX XXXX This is Wrong, Please Delete this Account. 
XXXX ) This Account was LAST VERIFIED XXXX with XXXX, Never Verified with EXP and Never Verified with XXXX. This is wrong, Please Delete this account. 

I also noticed these hard inquiries that dont have permissible purpose to be on my credit report. These hard inquiries are hurting me for getting approved. 

These following hard inquiries have no permissible purpose on my credit report please delete the following : XXXX XXXX Hard Inquiries : XXXX XXXX Please Delete XXXX XXXX  XXXX XXXX Please Delete XXXX XXXX XXXX XXXX Please Delete XXXX XXXX Please Delete Experian Hard Inquiries : XXXX XXXX XXXX  XX/XX/2023 Please Delete XXXX XXXX XXXX XX/XX/2023 Please Delete XXXX XXXX  XX/XX/2023 Please Delete XXXX XX/XX/2023 Please Delete XXXX XXXX XXXX  XX/XX/2023 Please Delete XXXX Hard Inquiries : XXXX XX/XX/2023 Please Delete XXXX Please Delete XXXX XX/XX/2023 Please Delete XXXX XXXX  XX/XX/2023 Please Delete As you can see something " happened '' on XXXX without my consent or approval. Im not sure as of yet if this is identity theft or fraud but I am thinking about going to my local sheriffs office to perhaps have them investigate. 

Meanwhile I am a mother of a XXXX XXXX XXXX child, I am trying to get good credit to be approved for a mortgage when I saw all these inaccuracies on my credit report I thought I would take action. I never thought or believed that these bureaus would ignore me and also give me the run around especially after I definitely proved who I was. Very Dishonest. 

I have included a sample letter that I sent to XXXX XXXX, the same letter more or less was sent to XXXX and Experian with some hard inquirie changes as stated here. 

Again I have attached proof of who I am. 

thank you CFPB for looking into this for me, I'm grateful for having a company like you looking out for the little guys. 

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