Consumer complaint received 2016-03-03
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX FCRA Dispute Duties The FCRA imposes dispute duties on both CRAs and furnishers. If a consumer disputes the completeness or accuracy of an item contained in his or her file directly with the CRA, u the CRA must complete a reinvestigation within thirty days after receiving the notice of dispute from the consumer ; XXXX u in conducting the reinvestigation, the CRA must review and consider all relevant information submitted by the consumer ; andXXXX u within five business days of receiving the dispute, the CRA must notify the furnisher of the dispute, and include all relevant information that the CRA received from the consumer .XXXX After receiving a dispute from a CRA, a furnisher must take the following steps:XXXX u conduct an investigation with respect to the disputed information ; u review all relevant information provided by the CRA ; u report the results of the investigation to the CRA ; u if the investigation finds that the information is incomplete or inaccurate, report those results to all nationwide CRAs to which the furnisher reported the information ; and u complete the investigation before the end of the thirty-day period that the CRA has to complete its reinvestigation. If the CRA finds during the reinvestigation that a disputed item is inaccurate, incomplete, or can not be verified, the CRA must delete or modify the item.XXXX No later than five business days after the completion of a reinvestigation, a CRA must provide written notice to the consumer of the results of the reinvestigation .XXXX The notice must include u a statement that the reinvestigation is completed ; u a consumer report based on the consumer 's file ( if the file has been revised as a result of the reinvestigation ) ; Case number : XXXX Back Status Company responded Experian Credit Bureau said : Explanation of closure Thank you for submitting your complaint on XXXX XXXX, 2016 through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 

We have reviewed and considered the information, including the two attachments, you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate there are unauthorized inquiries appearing on your credit report. You are requesting the removal of the inquiries from your credit report. 

The inquiries shown on a credit report are a factual record of the companies who have accessed and reviewed a consumer 's profile. They are only logged on the report, when in fact, an inquiry was made. A record of this activity, pursuant to federal law, must remain a part of record. Please note that Experian does not receive a copy of any applications made to credit grantors. You may wish to contact the creditor directly for that information. Therefore, we must respectfully deny your request to remove the inquiries at this time NO INVESTIGATION HAS BEEN DONE!!!!!!!

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