Consumer complaint received 2024-04-09 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: CA

Complaint narrative:
NAME : XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : ( XXXX ) XXXX, XXXX XXXX email : XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Date XXXX XX/XX/XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX  XXXX XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I want it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX  XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I want it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX SERVICES XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I want it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX  XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I want it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX  XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I want it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I want it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date- XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA XXXX XXXX and XXXX as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I want it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I want it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXXXXXX XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I want it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I want it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX  XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I want it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX  XXXX XXXX XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I want it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX  XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I want it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX  XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I want it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I want it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I want it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I want it removed immediately. 

The following inquiries needs to be removed immediately : Creditor Name : XXXX  XXXX Date- XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Explanation : I would like to be provided proof I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of these inquiries via FCRA section 623. If you have no proof immediately of any or one, I want them removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX Date- XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I want it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX BANK XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I want it removed immediately. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX 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