Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Subject : Request for Removal of Inaccurate and Unauthorized Hard Inquiries under FCRA Dear Experian Consumer Assistance, I am writing to address the ongoing issue of inaccurate and unauthorized hard inquiries listed on my credit report. As an affected consumer, I am requesting your immediate attention to this matter and the prompt removal of the following hard inquiries, which I believe to be the result of fraudulent activity : ||XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX, XXXX I must emphasize the urgency of this request, as these unauthorized hard inquiries have a detrimental effect on my creditworthiness and overall financial well-being. Furthermore, I have made significant efforts to contact Experian 's fraud department regarding this matter, but unfortunately, I have faced consistent obstacles that prevent me from obtaining assistance. 

I have documented evidence, including call records and timestamps, which clearly indicate my numerous attempts to reach Experian 's fraud department through the designated support number. Despite my persistence, each call was met with immediate disconnections and being hung up on, leaving me unable to address my concerns or seek resolution regarding the fraudulent hard inquiries. 

I find this repeated disregard for my attempts to rectify the situation deeply concerning. As a consumer protected by the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and valid information reflected in my credit report. Experian has an obligation to ensure the integrity and accuracy of the information it provides to consumers, as well as to promptly address any concerns raised regarding fraudulent activities. 

In light of these circumstances, I kindly request that Experian takes immediate action to investigate the unauthorized hard inquiries on my credit report, provide verification if any exists, and proceed with their removal as required by the FCRA. It is imperative that this matter be resolved swiftly to mitigate any further damage to my credit standing. 

Should Experian fail to address this matter promptly and adequately, I am prepared to escalate my complaint to the relevant regulatory authorities, including the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). I trust that it will not come to this, and that Experian will fulfill its obligations by conducting a thorough investigation and removing the fraudulent hard inquiries from my credit report without delay. 

Enclosed with this letter, you will find copies of the call records and timestamps as evidence of my attempts to reach your fraud department. I request that you review these materials in conjunction with my initial request for resolution. 

I appreciate your immediate attention to this matter and look forward to receiving written confirmation once the unauthorized hard inquiries have been removed from my credit report. 

Thank you for your prompt assistance. 

Sincerely, 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