Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern : Experian XXXX XXXX XXXX XXXX, TX XXXX I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law. 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/2022 Inquiries XXXX XXXX XXXX XX/XX/2022 Experian This is not right! I received a credit report from you and there are some companies that i'm unfamiliar with. Looks like they put an inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first!! U S Code 15 USC 1681 ES Seg Section 604 states all users must have a permitted purpose under fair reporting act to obtain consumer reports. Please remove these inquiries or forward documentation proving they should be on my report Respectfully, The document I have sent you includes my concerns about the accuracy and truthfulness of your reporting. The law requires that you follow certain procedures to ensure this, but according to what's required by both FCRA as well Metro 2 -- it needs certified compliant. 
XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, CA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

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