Consumer complaint received 2025-07-12 00:00:00
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.
State: MD

Complaint narrative:
XXXX in your system that does not precisely correspond to my designated address of XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Your immediate attention and appropriate action on this matter would be greatly appreciated, as it is essential for the maintenance of my trust and confidence in your services. 

XXXX - XXXX The following personal information is incorrect - The personal data reporting is inaccurate. 


I am writing to request that you update your records pertaining to my account under XXXX - XXXX. Unfortunately, I must bring to your attention that the information currently on file is inaccurate and falls below the minimum standard for accuracy. I must emphasize that failing to correct this discrepancy may result in legal action. As you are aware, erroneous information has no place in your records or on my credit report, and I demand that it be removed immediately. 

XXXX - XXXX In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I kindly request that you thoroughly examine the payment history and status information on this account and make the necessary adjustments without delay. - According to my records, I have never been late on this account. It appears that there are reports of XXXX or XXXX  days late without a preceding XXXX or XXXX  days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error.

I regret to inform you that I am greatly disappointed with the lack of documented proof demonstrating compliance with reporting standards and applicable consumer laws. This significant deficiency can not be ignored, and I insist that this flawed, inaccurate report be immediately deleted. Failure to do so will leave me with no option but to pursue legal action against your company for its failure to comply with legal requirements related to these matters. It is crucial that we have accurate information to avoid any potential negative consequences in the future that could have been preventable if accuracy had been given the necessary priority over convenience. I strongly urge you to take this matter seriously and take the appropriate actions to rectify it. Furthermore, please refer to the image above for XXXX - XXXX, which highlights additional areas of concern that require your immediate attention. 

XXXX XXXX - XXXX Please verify the manner in which you are reporting this account. I have contacted the Attorney General 's office, XXXX, XXXX XXXX, and XXXX, and they have stated that they did NOT report to any credit agencies. - This account is fraudulent and needs to be removed off of my credit report asap per FCRA sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. 

I regret to inform you that your failure to provide documented proof of compliance reporting standards and relevant consumer laws is deeply disappointing. This deficiency is of significant concern. I kindly insist on the immediate deletion of this flawed and inaccurate report. Failure to comply will result in legal action against your company for its failure to meet the necessary requirements outlined by the law regarding these matters. It is crucial that we are aware of the informational content presented in documentaries to avoid being caught off guard by potential future challenges. Such issues could have been prevented if those who possessed superior knowledge had shown sufficient care for accuracy over mere convenience. 

XXXX - XXXX This public record should not be included in my credit report since the information was not provided by the filer. Your reliance on third parties is misleading to other lenders reviewing my reports. - I urge you to validate this information as the U.S. Bankruptcy Court asserts that they do not report to any entity. I have verified this with XXXX and XXXX, both of which have stated that they can not confirm the accuracy of this information. 

Federal XXXX I must express my deep disappointment regarding the information present in your database, which is not up-to-date and does not meet the minimum standards for accuracy. I must insist that this matter be addressed immediately, as failure to do so may result in legal action. I trust that you understand the severity of the situation, as inaccurate and imperfect information has no place in your database or on my credit report, which could ultimately damage my reputation. Therefore, I kindly request that you take prompt action to rectify this issue by deleting such information from your database. 

INQUIRY - XXXX XXXX XXXX XXXXXXXX Verify that these inquiries belong to me. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 


I hope this message finds you well. I am writing to express my disappointment and concern regarding my account with INQUIRY and its corresponding XXXX XXXX XXXX XXXXXXXX. During my recent review of the credit report, I came across an unauthorized inquiry, which I do not recall authorizing. Under the Fair Credit Reporting Act, it is imperative that my personal information remains safeguarded, and access should only be granted with explicit permission. I would appreciate your prompt assistance in providing verifiable evidence regarding the rationale behind this inquiry. I trust that you understand the gravity of this situation, and I firmly believe that such unwarranted inquiries have no place on my credit report. Your immediate attention to this matter is requested. 

INQUIRY - XXXX XXXX XXXX XXXXXXXX Verify that these inquiries belong to me. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 


INQUIRY XXXX XXXX XXXX XXXX I am writing to express my deep disappointment and frustration upon discovering an unauthorized inquiry on my credit report. As you are aware, the Fair Credit Reporting Act strictly prohibits any unauthorized access to an individual 's credit information without prior consent. I would appreciate it if you could provide me with clear and convincing evidence that justifies this inquiry, including all necessary documentation that confirms my signature and verifies my application for a loan or line-of-business venture through the relevant company. I trust that you share my concerns and will take swift action to resolve this matter in a manner that accurately reflects my creditworthiness and protects my legal rights. I respectfully request that you remove these inquiries from my credit report immediately. I understand that mistakes can happen, but I expect prompt and satisfactory resolution of this issue. If you require any additional information from me to resolve this matter, please do not hesitate to contact me. 

INQUIRY - XXXX - XXXX Verify that these inquiries belong to me. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

I respectfully inform you that I have contacted INQUIRY XXXX XXXX XXXXXXXX and urged them to expunge their credit inquiry from my credit profile. I further implored them to desist from their unlawful activities without delay, yet to my chagrin, their office has remained unresponsive to date. Regrettably, more than XXXX business days have elapsed since I dispatched the aforementioned letter, and they have failed to acknowledge or honor my request. Given these circumstances, I beseech your assistance in bringing this matter to a satisfactory conclusion. Under the Fair Credit Reporting Act, I now request that you commence an immediate investigation into this inquiry on my credit report to identify the party responsible for its authorization. If, after conducting your inquiry, you verify my claim to be accurate, I urge you to remove the unauthorized inquiry from my credit report without delay and send me an updated copy of the report to my address mentioned above. Should the inquiry referenced above prove to be valid, I request that you furnish me with a comprehensive account of the methods used in your investigation within XXXX business days of its completion. I must emphasize that this matter demands your prompt attention and diligent action. 

INQUIRY - XXXX XXXX XXXX XXXXXXXX Verify that these inquiries belong to me. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 


Upon receipt of my credit report, I have observed credit inquiries attributed to companies for which I possess no recollection of granting authorization. It is my understanding that the inclusion of an inquiry on my credit file without the explicit granting of consent is a violation of established protocols. Thus, I respectfully implore you to expeditiously initiate the process of eradicating this particular inquiry from my credit file. Additionally, I would be grateful to receive comprehensive documentation substantiating your diligent investigation and subsequent removal of the aforementioned unauthorized inquiries. 

INQUIRY - XXXX - XXXX Verify that these inquiries belong to me. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 


INQUIRY XXXX XXXX XXXXXXXX It appears that there has been an inquiry made on my credit file that I have no knowledge of. However, it is my understanding that such inquiries can only be made with my prior authorization, which was not given. I would like to request the removal of this inquiry from my credit file or documentation that shows the permissible purpose for its inclusion. I would greatly appreciate your assistance in resolving this matter in a prompt and satisfactory manner. 

INQUIRY - XXXX XXXX XXXX XXXXXXXX Verify that these inquiries belong to me. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 


INQUIRY XXXX XXXX XXXX XXXXXXXX I must express my disappointment as I discovered an inquiry on my credit report that I did not authorize or have knowledge of. As you may know, according to the Fair Credit Reporting Act, such access to my credit information without my permission is not permissible. Therefore, I kindly request that you furnish me with documentation proving that there was a valid and legal reason for this inquiry or take prompt action to remove it from my credit report. Your assistance in resolving this matter would be greatly appreciated. 

INQUIRY - XXXX XXXX XXXX XXXXXXXX Verify that these inquiries belong to me. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 


I am writing to express my profound disappointment and concern upon reviewing my credit report associated with my INQUIRY and its corresponding XXXX XXXX XXXX XXXXXXXX. It has come to my attention that several unfamiliar companies have been listed, raising significant doubts regarding their rightful presence. The apparent placement of an inquiry on my credit file without my knowledge or consent has left me both bewildered and disturbed. I firmly believe that such an intrusive action should not have been possible unless expressly approved by myself beforehand. I feel compelled to remind you of the essential provisions enshrined within the Fair Credit Reporting Act, which unequivocally mandates that all users must possess a valid and permissible purpose to access an individual 's credit report. In light of these circumstances, I kindly request that you promptly rectify this matter by expunging the aforementioned unauthorized inquiry from my credit file. Alternatively, I implore you to provide comprehensive documentation substantiating the existence of a legitimate and permissible purpose for this troubling inquiry. 


INQUIRY - XXXX XXXX XXXX XXXXXXXX Verify that these inquiries belong to me. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 


I hope this message finds you well. I write to convey my deep disappointment and concern upon receiving my credit report today, which revealed an alleged hard inquiry linked to my INQUIRY and XXXX XXXX XXXX XXXXXXXX. Regrettably, I have no recollection of granting authorization for this inquiry. Hence, I firmly request the provision of documented evidence, specifically proof of signature, verifying my supposed credit application with the involved company. Failing to comply with this request will leave me no choice but to demand the immediate removal of the alleged inquiries from my credit report. 


INQUIRY - XXXX XXXX - XXXX Verify that these inquiries belong to me. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 


INQUIRY XXXX XXXX - XXXX It has come to my attention that an inquiry has been made on my credit file, which I have no knowledge of. I find this situation concerning as it seems to have been carried out without my prior authorization. I would appreciate it if you could remove this inquiry from my credit file, or if you could provide me with documentation that proves you had a permissible purpose for doing so. Your prompt attention to this matter is greatly appreciated. 


INQUIRY - XXXX - XXXX Verify that these inquiries belong to me. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 


I am writing to bring to your attention my deep concern with regards to the information provided in relation to INQUIRY and XXXX - XXXX. It is with great disappointment that I must inform you that the information provided has not been verified to meet the necessary reporting standards, and its accuracy, completeness, and currency have not been established. It is imperative that documentation proving compliance with consumer protection laws be furnished in order to ensure compliance. Given the importance of accurate reporting standards and the protection of consumer rights, I am troubled by the inadequacy of the information supplied. In light of these concerns, I am requesting the immediate deletion of any incorrect, incomplete, or unsupported data. I trust that prompt attention will be given to this matter, and that necessary measures will be taken to ensure such discrepancies are not repeated in the future. Thank you for your understanding and cooperation in this matter. 


INQUIRY - XXXX XXXX XXXX XXXXXXXX Verify that these inquiries belong to me. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

I trust this message finds you well. I am writing to express my disappointment and concern upon receiving my credit report today, revealing an alleged hard inquiry linked to my INQUIRY and XXXX XXXX XXXX XXXXXXXX. Regrettably, I have no recollection of granting authorization for this inquiry. In light of this, I must insist on the provision of documented evidence, including a valid signature, substantiating my purported credit application with the said company. Failure to comply with this request will leave me with no choice but to demand the immediate removal of the alleged inquiries from my credit report. 

INQUIRY - XXXX XXXX XXXX XXXXXXXX Verify that these inquiries belong to me. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 


INQUIRY - XXXX XXXX - XXXX I am writing to you regarding an inquiry on my credit report that is adversely affecting my credit and impeding my ability to obtain necessary credit. As you may be aware, The Fair Credit Reporting Act requires creditors to verify the written authorization of consumers before accessing their credit reports. I kindly request that you provide me with a copy of the credit application that authorized the disclosure of my credit files with my signature. If such documentation can not be located, I request that you remove the inquiry from the XXXX main credit bureaus in accordance with the Fair Credit Reporting Act. I would appreciate a prompt response within thirty ( XXXX ) days as time is of the essence. Thank you for your attention to this matter. 


INQUIRY - XXXX XXXX XXXX XXXX XXXXXXXX Verify that these inquiries belong to me. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

I hope this message finds you well. I write with a sense of disappointment and concern upon receiving my credit report today, which revealed an alleged hard inquiry linked to my INQUIRY and XXXX XXXX XXXX XXXX XXXXXXXX. I must assert that I have no recollection of granting authorization for this inquiry, and as a result, I urgently request comprehensive documentation, accompanied by verifiable proof of signature, validating my purported credit application with the respective company. Failure to adhere to this request shall necessitate the immediate removal of the alleged inquiries from my credit report.

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