Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to express my profound frustration and outrage with the blatant disregard and negligence demonstrated by XXXX, Experian, and XXXX regarding my multiple requests to investigate and remove disputed hard inquiries, accounts under collections, and charge-offs from my credit reports. 
Despite following all appropriate protocols as dictated by the Fair Credit Reporting Act ( FCRA ), my efforts to rectify these inaccuracies have been completely ignored. 
This level of unresponsiveness is unacceptable and warrants immediate action.XXXX - XXXX XX/XX/XXXX and XX/XX/XXXX, I formally disputed incorrect personal information reported on my credit file and several hard inquiries and negative accounts with XXXX. 
- I supplied all necessary documentation and irrefutable evidence to support my claims. 
- Despite this, XXXX has utterly failed to take any meaningful action or provide a satisfactory response. 
I am disputing this hard inquiry under the Fair Credit Reporting Act, Section 1681e, as it is inaccurate and unauthorized. I have not initiated any transactions or applied for credit with the company that made this inquiry. 
Therefore, I request its immediate removal from my credit report to ensure maximum accuracy XXXX XXXX XXXX XX/XX/XXXX Please delete this from my credit file ASAP permanently. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX XXXX Please delete this from my credit file ASAP permanently. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX Please delete this from my credit file ASAP permanently. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX XXXX Please delete this from my credit file ASAP permanently. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Please delete this from my credit file ASAP permanently. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Please delete this from my credit file ASAP permanently. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Please delete this from my credit file ASAP permanently. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Please delete this from my credit file ASAP permanently. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Please delete this from my credit file ASAP permanently. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX  XXXX Please delete this from my credit file ASAP permanently. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX  XXXX Please delete this from my credit file ASAP permanently.Experian - On XX/XX/XXXX and XX/XX/XXXX, I submitted the same disputes to Experian. 
- XXXX, I provided comprehensive information and documentation. 
- Experian has similarly ignored my dispute, leaving the erroneous information untouched. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX XXXX Please delete this from my credit file ASAP permanently. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX Please delete this from my credit file ASAP permanently. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX XXXX Please delete this from my credit file ASAP permanently. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Please delete this from my credit file ASAP permanently. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Please delete this from my credit file ASAP permanently. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Please delete this from my credit file ASAP permanently. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Please delete this from my credit file ASAP permanently. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Please delete this from my credit file ASAP permanently. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX XXXX XXXX Please delete this from my credit file ASAP permanently. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX  XXXX Please delete this from my credit file ASAP permanently. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX  XXXX Please delete this from my credit file ASAP permanently.XXXX  - On XX/XX/XXXX and XX/XX/XXXX, I contested the same inaccuracies with XXXX. 
- XXXX has also demonstrated a complete lack of responsibility by not conducting a proper investigation or removing the disputed entries. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX Please delete this from my credit file ASAP permanently. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX XXXX Please delete this from my credit file ASAP permanently. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX Please delete this from my credit file ASAP permanently. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX XXXX Please delete this from my credit file ASAP permanently. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX  XXXX Please delete this from my credit file ASAP permanently. 
Under XXXX XXXX XXXX XXXX - XXXX certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX XXXX  XXXX Please delete this from my credit file ASAP permanently. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX  XXXX Please delete this from my credit file ASAP permanently. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX Please delete this from my credit file ASAP permanently. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX XXXX Please delete this from my credit file ASAP permanently.

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