Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 : Violation of 15 U.S.C 1682 ( a ) ( 1 ) ( A ) and 15 U.S.C 1681 ( b ) - Demand for Immediate Removal of Inquiries from My Credit Report To Whom It May Concern, I trust this message finds you well. I am writing to address a matter of utmost importance, which concerns the blatant violations of federal law perpetrated by Experian, XXXX, and XXXX, as reflected in my credit report. The violations in question pertain to XXXX critical sections of the United States Code ( USC ), namely, 15 U.S.C 1682 ( a ) ( 1 ) ( A ) and 15 U.S.C 1681 ( b ), which govern the conduct of credit reporting agencies such as yours.

Let me be unequivocally clear : I am deeply concerned and disheartened by the flagrant disregard for these federal statutes by your agency, and I will not tolerate such misconduct any longer. I have repeatedly disputed two items of my credit report from XXXX XXXX XXXX. However, every time it comes back as updated or verified. Which is not the issue. 

1. **15 U.S.C 1682 ( a ) ( 1 ) ( A ) Violation** : This provision of the Fair Credit Reporting Act ( FCRA ) unequivocally states that consumer reporting agencies must not furnish a consumer report containing information on inquiries made without a permissible purpose. To elaborate, a " permissible purpose '' is defined as a legitimate reason to access a consumer 's credit information, such as in the context of credit applications, employment background checks, or certain legal obligations. 

Upon an exhaustive review of my credit report, I have ascertained that XXXX inquiries from XXXX XXXX XXXX  made by Experian, XXXX, and XXXX do not align with the criteria of a " permissible purpose '' as outlined in the FCRA. These inquiries were conducted without my consent and lacked any legitimate basis or credit-related transaction. It is abundantly clear that such actions contravene 15 U.S.C 1682 ( a ) ( 1 ) ( A ).

2. **15 U.S.C 1681 ( b ) Violation** : This provision imposes an obligation on consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information they report. In essence, it mandates that the information you collect and disseminate must be thoroughly verified and substantiated. 

Regrettably, I have grave reservations about the authenticity of the inquiries that have been placed on my credit report by your agency. It appears that these inquiries have not undergone the rigorous verification procedures mandated by 15 U.S.C 1681 ( b ). This lack of due diligence has led to an unjust and detrimental impact on my creditworthiness, which is entirely unacceptable. 

Therefore, I demand immediate action to rectify this situation. I insist that Experian, XXXX, and XXXX promptly remove the two inquiries from XXXXr Student Loans I have identified, which I have found violate 15 U.S.C 1682 ( a ) ( 1 ) ( A ) and 15 U.S.C 1681 ( b ), remove them from my credit report without delay. I must emphasize that compliance with this demand is not optional ; it is a legal obligation.

Failure to expeditiously address this matter will compel me to exercise my rights under the FCRA, including pursuing arbitration, as permitted by federal law, to seek the appropriate remedies. 

I anticipate your immediate attention to this serious issue and an expeditious resolution. You are required to acknowledge this dispute and initiate an investigation within the legally mandated XXXX period. Any further delays or inaction on your part will leave me with no alternative but to pursue the legal avenues available to me. 

Do not underestimate the gravity of this situation or my resolve to protect my rights as a consumer. I strongly advise that you act swiftly and responsibly to rectify this egregious violation of federal law. 

I expect nothing short of immediate compliance.

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