Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, XXXX, and XXXX for their refusal to properly verify and remove unrecognized hard inquiries from my consumer credit file. Despite my multiple attempts to resolve this issue directly with these credit reporting agencies, they have failed to comply with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 

On XXXXXX/XX/2024 I noticed several hard inquiries on my credit report that I did not recognize or authorize. Specifically, these inquiries were 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  In accordance with my rights under the FCRA, I promptly disputed these inquiries with Experian, XXXX, and XXXX, XXXX a thorough investigation and removal of the unauthorized inquiries. 

Under the FCRA, credit reporting agencies are obligated to verify the accuracy of disputed information within XX/XX/XXXX days. Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA states : " If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' Furthermore, Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA mandates : " If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumers file or modify that item of information, as appropriate, based on the results of the reinvestigation. '' Despite these clear legal requirements, Experian, XXXX, and XXXX have not provided evidence that these hard inquiries were authorized, nor have they removed the disputed inquiries from my credit file. Their refusal to act in accordance with the FCRA is not only a breach of my rights as a consumer but also poses significant harm to my credit standing and financial well-being. 

Given the severity of this issue and the lack of compliance by the credit reporting agencies, I am seeking the Consumer Financial Protection Bureau 's immediate intervention to ensure that these unauthorized hard inquiries are thoroughly investigated and removed from my credit file. Failure to resolve this matter promptly will leave me with no option but to pursue legal action as permitted under the FCRA, including seeking damages for any harm caused by these inaccuracies. 


Thank you for your attention to this urgent matter. I look forward to a swift and fair resolution. 

Attachments : State Drivers License Identity Theft Affidavit