Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: CT
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:
Subject : Complaint Against Experian for Non-Response and Refusal to Remove Inaccurate Inquiries Dear Sir/Madam, I hope this letter finds you well. I am writing to lodge a formal complaint against Experian, one of the major credit reporting agencies, for their failure to respond to my letters and their refusal to remove inaccurate inquiries from my credit report. 

Over the past XXXX months, I have made repeated attempts to address the presence of inaccurate inquiries on my credit report, which I did not authorize or initiate. In my letters to Experian, I provided specific details about the erroneous inquiries and requested their immediate removal. Despite my efforts, I have not received any response from Experian, nor have they taken any action to rectify the inaccuracies. 

This non-response from Experian has left me in a state of frustration and distress, as the inaccurate inquiries are having a detrimental effect on my creditworthiness and financial reputation. I am deeply concerned that these unauthorized inquiries may lead to potential identity theft or fraudulent activity, which is alarming and unacceptable.

I kindly request the Consumer Financial Protection Bureau 's intervention to ensure that Experian promptly addresses my concerns and takes the following actions : 1. Conduct a thorough investigation into the presence of inaccurate inquiries on my credit report. 
2. Verify the legitimacy of each inquiry and confirm whether I indeed authorized them.

3. If any inquiries are found to be unauthorized or inaccurate, Experian must delete them from my credit report immediately.

4. Provide me with a written explanation of the investigation 's outcome and the steps taken to rectify the situation. 
It is my right as a consumer to have accurate and reliable credit information, and I believe Experian 's refusal to respond and act upon my legitimate concerns is a violation of the Fair Credit Reporting Act ( FCRA ). 
Enclosed with this letter, you will find copies of the previous letters I have sent to Experian, outlining the specific inaccurate inquiries that need to be addressed. 

I trust that the Consumer Financial Protection Bureau will treat this matter with the seriousness it deserves and take appropriate action to ensure that Experian complies with the FCRA and promptly resolves this issue. 

I kindly request that you keep me informed of the progress of your investigation and any actions taken to rectify the situation. Please feel free to contact me at the provided email address or phone number if further information is required. 

Thank you for your attention to this critical matter. I look forward to a swift resolution and the removal of the inaccurate inquiries from my credit report. 

[ Enclosures : Copies of previous letters to Experian ]

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