Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Experian Re : This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. 

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible. 

1. The inquiry was not authorized XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

2. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

3. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

4. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

5. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. 

7. XXXX XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. 

8. XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. 

9. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

10. XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. 

11. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX -This address belongs to someone else. Delete it from my report immediately. 

12. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 

13. The following personal information is incorrect Account Number : XXXX XXXX - This employer belongs to someone else. Delete it from my report immediately. 

14. The following personal information is incorrect Account Number : XXXX - This employer belongs to someone else. Delete it from my report immediately. 

15. The inquiry was not authorized XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

16. XXXX XXXXXXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. 

17. The inquiry was not authorized XXXX XXXX XXXX LL Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

19. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

20. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

21. XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 




Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX  Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You, Sincerely, XXXX XXXX