Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: FL
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:
Subject : Disputing Unauthorized Inquiries on My Credit Report and Demanding Deletion Dear Sir/Madam, I am writing to formally dispute the presence of unauthorized inquiries on my credit report, citing violations of 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) and ( c ). Moreover, I want to emphasize that I have never given any consumer reporting agency written consent to report anything on my consumer report, which constitutes a violation of my rights as a federally protected consumer. The presence of these unauthorized hard inquiries on my accounts is both a violation of my rights and a form of identity theft.

Under 15 U.S. Code 1681c-2, it is explicitly stated that a consumer reporting agency must obtain written consent from the consumer to report any information on their consumer report. I want to reiterate that I have never provided any consumer reporting agency with written consent to report any information on my consumer report. Therefore, the unauthorized inquiries on my credit report are a direct violation of this provision.

Additionally, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) and ( c ) specifies that consumer reports may only be obtained for specific purposes, with the written consent of the consumer. In the case of unauthorized inquiries on my credit report, I have not provided any written consent for the companies responsible to obtain or report any information. Thus, these unauthorized inquiries are also in violation of this provision.

I demand the immediate deletion of all unauthorized hard inquiries listed on my accounts. The presence of these unauthorized inquiries not only infringes upon my rights as a federally protected consumer but also has detrimental effects on my creditworthiness and financial well-being. Their removal is crucial to restoring the accuracy, integrity, and fairness of my credit report.

I urge you to conduct a thorough investigation into the unauthorized inquiries on my credit report, taking into consideration the absence of any written consent from me as a consumer. It is essential that you recognize the violation of my rights and the severe implications of identity theft associated with these unauthorized inquiries. I expect your utmost attention and diligence in promptly addressing this matter.

As a federally protected consumer, I demand that you acknowledge receipt of this dispute letter within the required 30-day period, as outlined by the Fair Credit Reporting Act ( FCRA ). I expect your immediate action in investigating the unauthorized inquiries and ensuring their deletion from my credit report. Failure to comply with my request may result in further legal action to protect my rights as a consumer.

Thank you for your prompt attention to this matter. I anticipate a swift resolution that upholds my rights, removes unauthorized inquiries, and restores the accuracy of my credit report. If you require any additional information or documentation to facilitate the investigation, please do not hesitate to contact me. 

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