Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MN)

To Whom It May Concern, I am writing to formally express my concern regarding inaccuracies in my consumer credit report, which I obtained lawfully under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that all items on a credit report must be 100 % accurate, verifiable, complete, and reported within the allowable timeframes. 

The following items on my credit report are inaccurate and require immediate correction : XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX - " Accounting Error! How can there be a " XXXX Due- 30 Days Count '' when it clearly shows all " OK '' in the payment history? You are contradicting your claim. This is a violation and must be removed! Correct this at once! Also, By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. '' XXXX CARD - XXXX - " Accounting Error! How can there be a " Past Due- 30 Days Count '' when it clearly shows all " OK '' in the payment history? You are contradicting your claim. This is a violation and must be removed! Correct this at once! Also, By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. '' XXXX XXXX XXXX - XXXX - " Accounting Error! How can there be a " XXXX Due- 30 Days Count '' when it clearly shows all " OK '' in the payment history? You are contradicting your claim. This is a violation and must be removed! Correct this at once! Also, By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. '' Listed below are the Inquiries that are being challenged : XXXX XXXX - XXXX I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX XXXX - XXXX I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX BANK XXXX - XXXX I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX  - XXXX I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX XXXX  - XXXX I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX XXXX XXXX - XXXX I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX AUTO XXXX  - XXXX I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX XXXX  XXXX - XXXX I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX - XXXX I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX BANK XXXX - XXXX I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX - XXXX I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX - XXXX I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX  XXXX BANK XXXX  - XXXX I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX XXXX  - XXXX I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX - XXXX I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX  - XXXX I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX XXXX XXXX I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX AUTO - XXXX I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX  - XXXX I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX - XXXX I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE!