Consumer complaint received 2023-11-02
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: Credit inquiries on your report that you don't recognize

Complaint:
To whom this may concern, I am writing to bring you to notice concerning a matter regarding my consumer report. Upon recently reviewing the report, I discovered the presence of a credit inquiry that I did not authorize. The Federal Fair Credit Reporting Act, explicitly states that a credit reporting agency is prohibited from furnishing unauthorized inquiries on a consumer 's report without proper authorization.

I kindly request that you take immediate action to rectify this issue by removing the unauthorized inquiry listed below from my consumer report. Your prompt attention to this matter is greatly appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I trust that you will handle this matter with the utmost urgency and ensure that my consumer report is accurately reflected in accordance with the Federal Fair Credit Reporting Act.

According to the Federal Legislative Fair Credit Reporting Act 15 U.S.C 1681b ( 2a ) - Permissible purposes of consumer reports. A Disclosure to the consumer means, ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) A clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

Now that we have established notice that these inquiries are fraudulent, I need these inquiries blocked and deleted as per, 15 U.S. Code 1681g - Disclosures to consumers : Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 5 ) A record of all inquiries received by the agency during the 1-year period preceding the request that identified the consumer in connection with a credit or insurance transaction that was not initiated by the consumer.

As per 15 U.S. Code 1681s2, it is clearly stated that credit reporting agencies have a duty to investigate and correct any inaccurate or incomplete information on a consumer 's credit report. Failure to investigate and correct inaccurate or incomplete information on a consumer 's credit report may result in legal action.

Once again thank you for your immediate attention to this matter.

As per 15 U.S. Code 1681s2, A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Following the necessary updates made to my consumer report, I kindly request that you provide me with an updated report reflecting these changes. It is imperative that the report accurately reflects my current credit information. I am not requesting for Validation or Verification of simply my address and name. Without my signature, these companies should have never pulled my credit without disclosing it to me.

Furthermore, I must emphasize that you are now aware of the importance I place on the proper handling of my consumer report in accordance with the Fair Credit Reporting Act. I trust that you will fulfill your obligations under the law and ensure the accuracy and integrity of my credit information.

Thank you for your attention to this matter.

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