Consumer complaint received 2023-06-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am writing to express my dissatisfaction with the response I received to my complaint regarding the inquiries on my credit report. 
In Experians response, you stated that you are unable to investigate my complaint because the letter was did not appear to be written by me. 

As a consumer, I have the right to dispute inaccurate information on my credit report, and I have done so in good faith. It is unacceptable that my complaint is being dismissed simply because the letter was not written by me. 

This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations. 

I expected Experian to take my complaint seriously and conduct a thorough investigation into the inquiries on my credit report. they did not I also expected to be provided with a detailed explanation of the results of this investigation, as well as any actions taken to correct any inaccuracies found they have failed to do so. 
. 
Furthermore, I would like Experian to delete all unauthorize inquires deleted from my credit report. below is the original letter i have sent twice to Experian. 

sent on XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX I am writing this letter to dispute the hard inquiries on my credit report that were made without my permissible purpose. According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681b, a per missible purpose of consumer reports is required for any credit inquiry. I have reviewed my credit report and found that several hard inquiries were made without my consent or any extension of credit. 
XXXX Mortgage XXXX XXXX XXXX XXXX XXXXt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 Please remove this inaccurate information from my credit report. 
I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sent on XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX I am writing this letter to dispute the hard inquiries on my credit report that were made without my permissible purpose. According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681b, a per missible purpose of consumer reports is required for any credit inquiry. I have reviewed my credit report and found that several hard inquiries were made without my consent or any extension of credit. 
XXXX Mortgage XXXX XXXX  XXXX XXXX XXXXt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX & XXXX Experian  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove this inaccurate information from my credit report. 
I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Both times I received this notice from Experian We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/dispute. 

Please have Experian remove these unauthorized inquires. 

Thank you for your attention to this matter.

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 non-monetary relief