Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/2023 Experian Consumer Relations XXXX XXXX XXXX XXXX, TX XXXX Re : Notice of Dispute Regarding Violation of FCRA Rights and Request for Investigation and Removal of Inquiry Dear Sir/Madam, I am writing to bring to your attention a serious matter concerning a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by Experian in relation to an inquiry from XXXX XXXX XXXX XXXX I request that you investigate this matter thoroughly and remove the erroneous inquiry from my credit report promptly. 

On XX/XX/2023 ], I obtained a copy of my credit report from Experian and noticed an unauthorized inquiry from XXXX XXXX XXXX on my report. As a diligent consumer, I am well-aware of my rights under the FCRA and firmly believe that Experian has not fulfilled its obligations in properly investigating and handling this inquiry.

The FCRA provides me with specific rights to ensure that my credit information is accurate and that I am protected from any inaccurate or unjust information affecting my creditworthiness. The rights I am protected under include, but are not limited to : 1. The right to receive a free copy of my credit report from each of the nationwide credit reporting agencies, including Experian, once every 12 months upon request.

2. The right to dispute any inaccurate or incomplete information on my credit report and request an investigation into the matter.

3. The right to have any inaccurate or unverifiable information removed or corrected from my credit report within a reasonable time frame.

4. The right to be informed of any actions taken or results obtained from the investigation of a disputed item.

5. The right to limit access to my credit report to authorized entities and individuals, as specified in the FCRA. 

It is evident that Experian has failed to adhere to these rights and obligations by not properly investigating the inquiry from XXXX XXXX XXXX XXXX Therefore, I demand that you take the following actions immediately : 1. Conduct a thorough and proper investigation into the disputed inquiry from XXXX XXXX XXXX and ensure that it is promptly removed from my credit report if found to be inaccurate or unauthorized. 
2. Provide me with a written explanation of the results of the investigation and any actions taken as a result of the dispute.

3. Take necessary steps to prevent the reoccurrence of such violations in the future, and ensure that your procedures are in full compliance with the FCRA. 

I am willing to cooperate with you during this investigation by providing any relevant documents or information to support my dispute. Please acknowledge receipt of this notice within 30 days of your receipt of this letter, as mandated by the FCRA. 

Failure to address this matter in a timely and appropriate manner may lead to further legal action to protect my rights under the FCRA. 

I expect that Experian will promptly and responsibly address this dispute and take all necessary actions to rectify the issue. I look forward to your prompt response and resolution of this matter. 

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