Consumer complaint received 2023-02-19
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: Credit inquiries on your report that you don't recognize

Complaint:
I have already disputed this, and I recently sent a cfpb complaint and Experian wrongfully responded saying they do not have those inquiries on file. I am now demanding this be removed as it is the 3rd time I have brought this up to Experian. 

Experian is wrongfully reporting several inquiries on my credit report that I do not recognize nor authorized. I am writing to inform the CRAs to delete these erroneous inquiries. As they are violating my consumer rights governed by the fcra. I am writing to file a complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) by EXPERIAN. I believe that the CRA 's have failed to comply with several provisions of the FCRA in its handling of my credit report, including the following sections : Section 604 - This section requires CRAs to provide consumers with a copy of their credit report upon request. Section 609 - This section requires CRAs to provide consumers with a notice of their rights under the FCRA when they receive a copy of their credit report. Section 611 - This section requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. Section 615 - This section requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. Section 617 - This section provides consumers with a private right of action to sue CRAs and other parties that violate the FCRA. Section 623 - This section requires users of credit reports to provide notice to consumers before taking adverse action based on information in a credit report. Under the Fair Credit Reporting Act ( FCRA ), Section 623 sets out the responsibilities of credit reporting agencies ( CRAs ) and furnishers of credit information with respect to the accuracy and completeness of credit information. Some of the relevant subsections of Section 623 include : 623 ( a ) ( 1 ), which requires CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports. 623 ( a ) ( 2 ), which requires furnishers of credit information to provide complete and accurate information to CRAs. 623 ( b ), which requires CRAs to reinvestigate consumer disputes if the consumer provides new information. 623 ( c ), which requires CRAs to delete information that is outdated, incorrect, or can not be verified. The inquiries that need to be deleted are : XXXX XXXX XXXX You applied for a credit card on XXXX 2022 XXXX XXXX XXXX You applied for credit on XXXX 2022 Experian Business Cred You applied for credit on XXXX 2022 XXXX XXXX XXXX XXXX You applied for credit on XX/XX/2022 Please remove these immediately, or I will take legal actions.

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