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, XXXX  XXXX XXXX XXXX XX/XX/XXXX Experian Consumer Relations XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Notice of Dispute Violation of FCRA Rights and Request for Investigation and Removal of Inquiry Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute an inquiry on my credit report, as well as to bring to your attention the violation of my rights under the Fair Credit Reporting Act ( FCRA ) by Experian 's failure to conduct a proper investigation into the inquiry reported by XXXX XXXX. 

I recently obtained a copy of my credit report from Experian, dated XX/XX/XXXX, and I observed that there is an inquiry listed from XXXX XXXX placed on XX/XX/XXXX. However, I believe that this inquiry is inaccurate and should not be present on my credit report. I have not applied for any credit, loan, or financial services from XXXX XXXX during the relevant period when this inquiry was recorded. 

According to the FCRA, as a consumer, I am entitled to certain rights, including but not limited to : 1. Right to Accuracy : The FCRA mandates that consumer reporting agencies, such as Experian, must ensure the accuracy and completeness of the information they report. 
2. Right to Dispute : If I believe any information on my credit report is inaccurate or incomplete, I have the right to dispute the information with the credit reporting agency, like Experian. 
3. Right to Investigation : Upon receiving a dispute, the credit reporting agency is obligated to conduct a reasonable investigation to verify the accuracy of the disputed information. 
4. Right to Removal or Correction : If the information is found to be inaccurate or unverifiable, the credit reporting agency must remove or correct it from my credit report. 

Based on the aforementioned rights granted to me under the FCRA, I hereby dispute the validity of the inquiry from XXXX XXXX on my credit report. I request that Experian conduct a thorough investigation into this matter, providing me with the results of the investigation and any corrections or removals made as a consequence. 

Additionally, I urge Experian to remove the disputed inquiry from my credit report promptly and to update my credit file accordingly. I expect Experian to adhere to the FCRA regulations and ensure the integrity and accuracy of the information you report about me. 

Please provide me with written confirmation of the receipt of this dispute letter within 30 days from the date of your receipt. Moreover, I kindly request that you keep me informed of any actions taken, investigation results, and any changes made to my credit report as a result of this dispute. 

Thank you for your prompt attention to this matter. I trust that Experian will handle this dispute in a fair and compliant manner, protecting my rights as a consumer under the FCRA. 

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