Consumer complaint received 2025-02-27 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: IN

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, XXXX consistently responds within XXXX stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative processing ( File XXXX against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate. 

Collection Agency XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor XXXX  Collection Agency XXXX XXXX XXXX Acct # # # # # # # # # XXXX Original Creditor XXXX On my TransUnion Account there are discrepancies regarding my name, incorrect addresses, & the following accounts. 

Collection Agency XXXX XXXX Acct XXXX Original Creditor XXXX Collection Agency XXXX XXXX Acct XXXX Original Creditor XXXX The original creditor is not listed on the following accounts, but they are collecting on a debt that I am Unaware of. 

Collection Agency XXXX XXXX Bank Acct XXXX Collection Agency Tab/ Sunbit Acct XXXX On my Experian Account there are discrepancies regarding my name, incorrect addresses. The following accounts do not provide an account number. 

Collection Agency XXXX XXXX XXXX Original Creditor XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX I am writing to formally dispute unauthorized hard inquiries that appear on my credit report. Upon reviewing my report, I noticed the following inquiries that I did not authorize : XXXX [ XXXX [ XX/XX/XXXX ] [ XXXX XXXX  [ XX/XX/XXXX ] Experian. [ XXXX XXXX XXXX ] [ XXXX XXXX, XXXX ] [ XXXX CO XXXX XXXX XX/XX/XXXX ] I did not apply for credit with these companies, nor did I provide consent for these inquiries. Under the Fair Credit Reporting Act ( FCRA ), hard inquiries should only be recorded with my explicit authorization. If these inquiries were made in error or without my permission, I request that they be removed from my credit report immediately. 

Please investigate this matter and provide me with written confirmation of the removal or any documentation showing I authorized these inquiries. 

Thank you for your prompt attention to this matter. I look forward to your response within the timeframe outlined by the FCRA. If you need any additional information, please contact me at [ XXXX ] or [ 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