Consumer complaint received 2024-07-31 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: FL

Complaint narrative:
1. Experian : I dispute unauthorized and inaccurate inquiries on my credit report. My recent credit report, obtained from your office on XX/XX/XXXX, shows several inquiries I did not authorize and do not acknowledge. 

The specific inquiries I am disputing are as follows. 
Inquiry made by XXXX XXXX XXXX XXXX 
Inquiry made by XXXX on XX/XX/XXXX. 
Inquiry made by XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
Inquiry made by XXXX XXXX XXXX XXXX XXXX 
Inquiry made by XXXX XXXX XXXX XXXX XXXX XXXX 
Inquiry made by XXXX XXXX on XX/XX/XXXX on XX/XX/XXXX. 
Inquiry made by XXXX XXXX XXXX XXXX XXXX 
Inquiry made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
Inquiry made by XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry made by XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
Inquiry made by XXXX XXXX on XX/XX/XXXX. 
Inquiry made by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
Inquiry made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Inquiry made by XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
Inquiry made by XXXX XXXX XXXX XXXX 

XXXX. XXXX : I dispute unauthorized and inaccurate inquiries on my credit report. My recent credit report, obtained from your office on XX/XX/XXXX, shows several inquiries I did not authorize and do not acknowledge. 
Regular Inquiries The specific inquiries I am disputing are as follows. 
Inquiry made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : I dispute unauthorized and inaccurate inquiries on my credit report. My recent credit report, obtained from your office on XX/XX/XXXX, shows several inquiries I did not authorize and do not acknowledge. 
Regular Inquiries The specific inquiries I am disputing are as follows. 
Inquiry made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these inquiries, which should not be included in my credit report. These unauthorized inquiries negatively affect my credit score and do not accurately reflect my credit activity. 

Experian - XXXX - XXXX The specific details of the account are as follows : Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX **** XXXX dispute the incorrect information reported on my credit report, specifically the late payment of more than 30 days recorded in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX credit card. 
In XX/XX/XXXX, I had to travel to XXXX due to a family emergency. Before traveling, I sent my credit card payment by mail to XXXX XXXX XXXXXXXX to ensure it would be processed on time. However, when I reviewed my XX/XX/XXXX statement, I realized the bank still needed to receive the payment. 
I immediately contacted XXXX  XXXX XXXX 's customer service to explain the situation. I informed them that I had sent the payment by mail and that the envelope with the check seemed to have been lost. I also mentioned my solid history of timely payments and clarified that this was an isolated incident beyond my control. Attached are copies of my statements that demonstrate my good payment history. 
After communicating by phone and sending a goodwill letter explaining the facts, XXXX XXXX XXXXXXXX promised to remove this negative report from my credit history. However, upon reviewing my most recent credit report, I noticed that the information still needs to be corrected. 
Please review this dispute and remove the late payment reported in XX/XX/XXXX from my credit history. I appreciate your understanding and assistance in resolving this matter.

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