Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To Whom It May Concern, This letter is being sent to you in notice about the INACCURATENESS, INCOMPLETENESS, and more importantly, to your ERRONEOUS REPORTING. 
1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XXXX  Please remove this inquiry from my credit report 2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX  Date of inquiry : XX/XX/ Please remove this inquiry from my credit report 3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/ Please remove this inquiry from my credit report 4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/ Please remove this inquiry from my credit report 5. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX  Account Number : XXXX Under 15 USC 1666B, I demand you to update the payment record in this account.

6. You are in VIOLATION of the 15 USC 1666B. This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX Account Number : XXXX Under XXXX XXXX XXXX, I demand you to update the payment record in this account. 
7. 15 U.S. Code 1692g ( b ) Disputed debts - Validation of debts XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. Pursuant to 15 USC 168 a ( 2 ) ( B ) - Permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ) I never gave you any Written Consent to report anything on my consumer report. 
XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
9. 15 U.S. Code 1650 Preveninting unfair and deceptive private educational lending practices elimination conflicts of interest XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
10. 15 U.S. Code 1681o Civil liability for negligent noncompliance XXXX XXXX XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
11. 15 U.S. Code 1692g ( b ) Disputed debts - Validation of debts XXXX XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
12. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
13. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
14. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX If can not be supported with documentation, this account must be removed from my credit profile. 
15. 15 U.S. Code 1692g ( b ) Disputed debts - Validation of debts XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
16. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
15 U.S. Code 1681e ( b ) REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
I DEMAND you to verify all these challenges and allegations and if can not, under the FCRA, unverifiable accounts MUST be removed. 
Thank you, 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 explanation