Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to file a formal complaint against XXXX, XXXX, and Experian regarding the inaccurate information on my credit report. Despite multiple attempts to address and rectify the inaccuracies, no action has been taken by the credit bureaus in question. 



The disputed items on my credit report include the following : XXXX : 1. The following inquiry is more than two years old and I would like it removed XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The following inquiry is more than two years old and I would like it removed XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The following inquiry is more than two years old and I would like it removed XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX : 1. The following inquiry is more than two years old and I would like it removed XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The following inquiry is more than two years old and I would like it removed XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The following inquiry is more than two years old and I would like it removed XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The following inquiry is more than two years old and I would like it removed XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The amount owed XXXX was fully paid off in XX/XX/XXXX and the account has been closed. Please see attached document for proof of paid off. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

Experian : 1. The following inquiry is more than two years old and I would like it removed XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The following inquiry is more than two years old and I would like it removed XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The following inquiry is more than two years old and I would like it removed XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The following inquiry is more than two years old and I would like it removed EXPERIAN XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The amount owed XXXX was fully paid off in XX/XX/XXXX and the account has been closed. Please see attached document for proof of paid off. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

I have made three attempts to request the credit bureau to delete the inaccurate information through written disputes, providing supporting documentation to substantiate my claims. However, despite my efforts, there has been no resolution or corrective action taken by the credit bureaus to rectify these inaccuracies. 



I am seeking the intervention of the Consumer Financial Protection Bureau to investigate this matter and ensure that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ). I request that the inaccurate information be promptly removed from my credit report to restore the accuracy and integrity of my credit history. 



Attached with this complaint are copies of the relevant documentation, including my written disputes, supporting evidence, and any responses received from the credit bureaus. 



I appreciate your prompt attention to this matter and look forward to a resolution that upholds the principles of fairness and accuracy in credit reporting.

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