Consumer complaint received 2018-09-03
Company: Experian Information Solutions Inc.
State: GA
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 received several alerts about inquiries on my credit report that I have no clue as to how the inquiries are appearing on my credit without my knowledge. I contacted XXXX, Experian, & XXXX  a few days ago and they removed partial inquiries off of my credit and didnt remove all the inquiries. As I was on the phone with an agent they were extremely rude and obnoxious. I didnt deserve any of the attitude and as a consumer I should be able to ask questions as to why I have inquiries on my credit file and why were they placed on my credit report without my consent. I have now decided to take legal actions to get this matter resolved because I called and it was not a great experience with the customer service XXXX. No one cant tell me that this is factual records on my credit file because I have no knowledge of it honestly, no creditor or credit bureau contacted me for my consent. At this point you have violated my rights and I am sending an internal dispute which takes 3 days a total of 72 hours to investigate. 
I want you be aware that Im terribly upset after finding out that my XXXX, Experian, XXXX report shows a series of erroneous items. Your mistakes & incapacity to use accurate reporting practices has caused me to be denied after applying for new credit lines & is ruining my financial stability. This is unacceptable & youre obligated by law not only to correct what is erroneously reported, but also to remove what should not be in my credit report. Time is an important matter to me, so please allow yourself time to investigate each & every one of the inquiry items listed below & get my report corrected in the following 3 days mandated by law for an internal dispute. 
Pursuant to 15 USC 1681i of the Fair Credit Reporting Act ( FCRA ) ; I demand that the items mentioned in this dispute letter be verified & deleted from my Credit Report. 
Please remove any other addresses other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, names, or birth dates that you may have  on file for me. Next you will find a list of inquiry items that I am disputing ( 15 USC 1681i ( a ) ( 1 ) ( A ) FCRA ) Reported By : XXXX  I dont know if this error is intentional or not, created by your system, or by the entity who reported this to you, but this is affecting my credit & my  score. This is an important issue for me, this affects my finances and well being. I am experiencing severe emotional distress and after consulting an attorney your institution can be liable. As you can see, this list is detailed and quite self- explanatory, I demand you to put as much effort as needed to resolve this issue as soon as possible! According to the provision of 15 USC 1681j, you shouldnt charge me for this internal investigation & notification. You have 3 days to complete this internal investigation, beginning on XX/XX/2018, which you receive this letter to investigate this dispute in detail & update my credit report pursuant to 15 USC 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. As established on 15 USC 1681i ( 6 ) ( A ) of the FCRA, I expect you to take care of my request of removing the erroneous & fraudulent inquiries as soon as possible and to provide me a written notice with the results of your investigation. Please take a look in the attached section to see the pictures of the fraudulent inquiries your company allowed someone to place on my credit report. Internal investigation 3 days to investigate, removed all the fraudulent & erroneous inquiries listed on my credit report. I didnt give any creditor nor credit Bureau any consent to touch, pull, or look at my credit and you are in violation of FCRA section 609. Any original contract with my Signature on it, you have on file of the inquiries listed below and failure to positively verify these inquiries has hurt my ability to obtain credit. Under the FCRA, unverified inquiries must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the inquiries listed below in the attachment. I demand the following inquiries be verified or removed immediately. 
Thanks for your cooperation, XXXX 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