Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe is inaccurate. 
I understand that information on my credit report must be verified and documented before it can be used by creditors. I can not accept allegations of delinquency or derogatory remarks without factual evidence to support them. 
I am questioning the accuracy of this information, which does not appear to comply with federal or state reporting requirements. I kindly request that you ensure compliance and accuracy when reporting this information. As a responsible credit reporting agency, I trust that you will not report any information that you know or should know is not compliant with regulations or the law. 
I checked my personal credit report, which I acquired from your organization and I noticed that this unauthorized inquiry had been made : INQUIRY Item Codes Experian 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 VERY THAT THE FOLLOWING WAS AUTHORIZED?? - The ABOVE INQUERIES were NOT authorized and should not be reporting. 
I hope this message finds you well. I wish to bring to your attention a concern regarding my account with! ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. While reviewing my credit report, I came across these 3 inquries that seem unauthorized and unfamiliar to me. 

Given the regulations stipulated by the Fair Credit Reporting Act, it is imperative that my personal information remains safeguarded, and access to it should only be granted with explicit permission. In light of this, I kindly request your assistance in providing me with evidence justifying the purpose of this inquiry. Your prompt attention to this matter would be highly appreciated, as it is essential to ensure the accuracy and integrity of my credit report. 
I have attempted to contact the creditors who placed an inquiry on my credit profile and respectfully requested that they remove it, as well as cease any potential illegal activities. However, I have not received any response from them despite more than 30 business days passing since I sent the letter. 
I am kindly asking for your assistance in resolving this matter. As per the Fair Credit Reporting Act, may I please request that you promptly initiate an investigation into this inquiry on my credit report in order to identify who authorized it. If, after your investigation is concluded, you determine that my claim is valid, I would be grateful if you could remove the unauthorized inquiry from my credit report and provide me with an updated copy of my credit report at the address I have provided. 


Should you find the inquiry in question to be legitimate, I would kindly ask that you furnish me with a detailed description of the procedures you used in your investigation within 15 business days of its completion. 
I wish to bring to your attention a matter of concern regarding the handling of consumer disputes and challenges. It has come to my attention that form letters have been routinely dispatched in response to these matters, regardless of the specific information provided by the consumers. This practice is, in my understanding, legally problematic, as it fails to address each dispute and challenge on its individual merits, potentially contravening the requirement for such personalized consideration. 
Furthermore, I would like to underscore that the letters bearing my name were generated using readily available software accessible to all. 

Neglecting the processing of these letters could potentially run afoul of 15 U.S. Code 1681i. It is imperative to refrain from unwarranted delays in handling consumer correspondence under the assumption of third-party assistance, as such an approach lacks legal validity. 

I want to reiterate my authorship of all letters bearing my name, and any failure to promptly attend to these communications will be construed as a deliberate disregard for my rights as a consumer