Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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:
I am writing to file a formal complaint regarding unauthorized credit inquiries on my credit report. I have identified multiple inquiries from the following companies that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not provide authorization for any of these inquiries, nor did I have any business or contractual relationship with these companies during the specified inquiry dates. These unauthorized credit inquiries have negatively impacted my credit score and my ability to secure credit on favorable terms. 

These unauthorized inquiries are in direct violation of several federal laws and regulations that protect consumer rights : Fair Credit Reporting Act ( FCRA ) : These unauthorized inquiries violate my rights under FCRA, which requires companies to obtain my consent before accessing my credit report. 

Fair and Accurate Credit Transactions Act ( FACTA ) : FACTA provides additional protections for consumers, including the right to dispute inaccurate information on their credit reports. These unauthorized inquiries are inaccurate and should be removed in accordance with FACTA.

Gramm-Leach-Bliley Act ( GLBA ) : GLBA requires financial institutions to protect the privacy of consumers ' personal financial information. These inquiries were made without my consent, violating my privacy rights under GLBA.

Truth in Lending Act ( TILA ) : These inquiries are related to unauthorized credit transactions, which should be investigated under TILA, a law designed to protect consumers in credit transactions. 

Consumer Financial Protection Bureau ( CFPB ) Regulations : These inquiries violate CFPB regulations, and I am seeking your assistance in resolving the matter in accordance with the regulations that govern the credit reporting industry. 

Enclosed with this letter are copies of my credit reports highlighting the unauthorized inquiries in question, along with any supporting documentation I have available. I kindly request that you investigate these unauthorized inquiries, take appropriate action against the companies responsible for these actions, and ensure the prompt removal of these inquiries from my credit report. 

I appreciate your prompt attention to this matter and your assistance in resolving this issue. Please inform me of any further steps or documentation required from my end to facilitate this investigation. 

Thank you for your time and assistance in resolving 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 explanation