Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.

Complaint:
XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. In addition, report other accounts that are not being reported by Experian but are in fact being reported by XXXX  and XXXX XXXX. 
Please update the following information on my credit profile with your company : Name : XXXX XXXX XXXX ; XXXX XXXX or XXXX XXXX XXXX Physical Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, GA XXXX or ( USPS-RECOGNIZED ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX, GA XXXX Mailing Address : XXXXXXXX XXXX XXXX XXXX, GA XXXX Telephone Number : XXXX Employment : XXXX XXXX, XXXX ( XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX ) Managing Member for both. 
I am an authorized user on two credit cards that I have been using and are being reported to XXXX XXXX and XXXX. Can you add these credit cards to my credit profile account? 
1. XXXX XXXX ( XXXX XXXX XXXX XXXX Exp. Date : XX/XX/XXXX ) Authorized since XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Exp. Date : XX/XX/XXXX ) Authorized since XXXX. 
Please remove all other addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate. Please add the two credit cards listed above. They can easily be verified by contacting XXXXXXXX XXXX and I have accompanied a letter from XXXX XXXX XXXX XXXX confirming my signature authority and authorize usage of above credit card. 
While checking my most recent credit report in your system, I noticed credit inquiries that I did not authorize, made by the following companies : Inquires : 1. ) XXXX XXXX XX/XX/XXXX 2. ) XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report or any consumer report held by your company. This is a violation of the Fair Credit Reporting Act Section 1681 b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. 
Any automated response or e-oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a profoundly serious error in your reporting. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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