Experian Credit Reporting Complaint

Incorrect information on credit report account terms

Experian Credit reporting department,

Incorrect information on credit report Account terms Florida

I mailed a Multiple Inquiry Removal Letter on -/-/2017 by certified mail in order to dispute information in regards to - hard inquiries to - Experian, and -, that was being reported on my credit report. They received the letters on -/-/2017 and they completed the request on -/-/2017 & -/-/2017. The request that I submitted included - Hard Inquiries that were not factual and I received the same response for All inquires, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' I have tried contact the creditors for the past 3-6 months. I received no response or there 's nothing they can do. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response in 3 days after the receipt of my certified letter, one can assume that there was no investigated into the matter. I pan to purchase a home later this year, and having this many Hard Inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for Hard Inquiries that does not belong to me. I did not sign anything. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.

Experian customer in Florida
Apr 10, 2017

* Source: CFPB Complaint Database

Experian response to complaint:
Closed with explanation

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