Consumer complaint received 2019-12-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern, my complaint is directed to Experian who denied me my right to dispute several erroneous hard inquires on my credit report. I made a phone call to the Experian dispute center XXXX international ) on XX/XX/2019 and I was connected with XXXX. I told XXXX that I recently looked into my credit report for the first time on Experian a few fays back and I found several erroneous hard inquires. XXXX told me that I could contact the companies or be directed to the fraud department. I cited the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information. 
( 1 ) Reinvestigation required. 
( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph XXXX 5 XXXX, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 
XXXX began to get agitated with me and started cutting me off and raising his voice. Again, he told me that hard inquiries were not able to be disputed by Experian. I then asked XXXX to transfer me to his supervisor, XXXX. XXXX apologized for the inconvenienced but told me the same thing XXXX did. I then asked to be transferred to the fraud department located in TX, USA. I was connected with XXXX who also informed me that I was not allowed to make a dispute against hard inquires on my file. I asked her to transfer the phone line to her supervisor, XXXX who unfortunately was not available. 
As a U.S. citizen, the Fair Credit Reporting Act gives me the right to directly ask the credit bureau to investigate any fraudulent reporting on my file. Therefore, I am writing this complaint against Experian who denied me my right to investigate the fraudulent inquires and subsequently provide me evidence of their legitimacy according to Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer Since there is no evidence that I initiated these requests, I request that these inquiries be removed from my credit report as per section 611 ( 5 ) ( A ) ( i ), and that Experian promptly delete the following items from my credit report. 
XXXX. XXXX XXXX XXXX ; Inquiry date : XX/XX/2019 XXXX. XXXX  XXXX NA ; Inquiry date : XX/XX/2019 XXXX. XXXX XXXX ; Inquiry date : XX/XX/2019 XXXX. XXXX XXXX ; Inquiry date : XX/XX/2019 2019

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 non-monetary relief