Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute unauthorized hard inquiries on my credit report. My personal information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XXXX Social Security NumberXXXX I have identified the following hard inquiries that I did not authorize see attachments in the pdf forms I request that you investigate these inquiries and remove them from my credit report as they were not authorized by me. Under the Fair Credit Reporting Act, you are required to investigate and remove any inaccurate, misleading, or unverifiable information. 
Please provide me with the results of your investigation and a free copy of my credit report if changes are made. If you find that these inquiries are valid, please provide me with the name, address, and phone number of the companies that made these inquiries. 
Thank you for your prompt attention to this matter. 



Request for Late Payment Removal and Proof of Timely Statement Delivery To Whom It May Concern : I am writing regarding late payment ( s ) reported on my credit card account [ Account Number ]. According to 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I request that you provide proof that the periodic statements containing the information required by 15 U.S.C. 1637 ( b ) were mailed or delivered to me at least 21 days before the payment due date for the late payment ( s ) in question.

If you can not provide such proof, I respectfully request that you remove the late payment ( s ) from my credit
report, as they may have been incorrectly reported according to the law2. 
Please investigate this matter and provide a written response within 30 days, including any documentation showing compliance with 15 U.S.C. 1666b.

Thank you for your prompt attention to this matter.

Re : Dispute of Collections Account ( s ) under 15 U.S.C. 1692g To Whom It May Concern : I am writing to dispute the following collection account ( s ) on my credit report : each collection account I am disputing is in the attachments of my credit report, including account numbers ] I request that you verify these debts as required by the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. Under this law, you are required to provide validation of these debts within 30 days. Additionally, as per 15 U.S.C. 1692c ( c ), I request that you cease all communication with me regarding these debts until they are validated. 
Please investigate these items and remove any information that can not be verified. If you can verify this information, please provide me with the following : The name and address of the original creditor The amount of the alleged debt Proof that you are licensed to collect debts in my state Proof that the statute of limitations has not expired on this debt If you can not provide this information or if there are any inaccuracies, please delete these items from my credit report. 
I am aware of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ). As such, I expect a response to this dispute within 30 days, as required by law. 
Please send confirmation of your investigation and a copy of my updated credit report to the address listed above.

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