Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XX/XX/23 Experian XXXX XXXX XXXX, XXXX, TX XXXX Subject : Inquiry Deletion Request Pursuant to 15 USC 1681, Section 602 ( a ), 15 USC 1681n ( b ), and 15 USC 6802 ( a ) ( b ) ( 1 ) Dear Cfpb I am writing to request the immediate removal of unauthorized inquiries from my consumer report, as outlined in the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681, Section 602 ( a ), 15 USC 1681n ( b ), and 15 USC 6802 ( a ) ( b ) ( 1 ). I am aware that, in accordance with these provisions, I am entitled to receive {$1000.00} in damages for each unauthorized inquiry made on my consumer report. 

Upon reviewing my consumer report, I have identified the following unauthorized inquiries that have been made without my consent : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX 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 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 XXXXXXXX XXXX XXXX. Experian- XXXX These inquiries were conducted without my authorization and do not meet the permissible purpose requirements established by the FCRA XXXX As such, they are in violation of my rights as a consumer. I demand that you remove these unauthorized inquiries from my consumer report immediately. 

Furthermore, I request a thorough investigation into the matter to determine how these unauthorized inquiries were made and why they were allowed to appear on my consumer report. It is imperative that you take appropriate measures to prevent such violations from occurring in the future. 

I am fully aware of my rights under the FCRA and the remedies available to me as a consumer. Pursuant to 15 USC 1681n ( b ) and 15 USC 6802 ( a ) ( b ) ( 1 ), I am entitled to {$1000.00} in damages for each unauthorized inquiry made on my consumer report. I expect prompt compensation for the violations committed. 

Please provide written confirmation once the unauthorized inquiries have been removed from my consumer report. Additionally, I request that you inform me of any further actions taken in relation to this matter. 

I trust that you will handle this request with the urgency and attention it deserves. Failure to comply with the FCRA and address these violations may result in legal action to enforce my rights. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX ( XXXX ) 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