Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

I am writing to file a formal XXXX against XXXX and Experian for their failure to remove unauthorized credit inquiries from my credit report, despite my repeated reports and disputes. As a victim of identity theft, I have provided ample evidence to support my claims, yet these credit bureaus have failed to take appropriate action. This has caused me significant financial and XXXX XXXX  and I am seeking the assistance of the CFPB to address these issues. 

I have been a victim of identity theft, and as a result, there have been multiple unauthorized credit inquiries on my credit reports with both XXXX and Experian. These inquiries were made without my consent and are directly linked to the fraudulent activity. 
Despite my repeated disputes and provision of documentation proving my status as a victim of identity theft, both XXXX and Experian have failed to remove these unauthorized inquiries from my credit reports. Instead, they have either ignored my disputes or claimed that the inquiries are valid without providing any evidence of authorization.The IRS has confirmed my status as a victim of identity theft. I have provided this documentation to both credit bureaus, yet they have not taken appropriate action to remove the unauthorized inquiries. 
Violations of Federal Laws : XXXX and Experian 's actions ( or lack thereof ) violate several provisions of federal laws, including but not limited to : Fair Credit Reporting Act ( FCRA ) - Section 605B : This section requires credit reporting agencies to block information resulting from identity theft within four business days of receiving appropriate documentation. Despite providing proof of identity theft, XXXX and Experian have not complied with this requirement by failing to remove unauthorized inquiries. 
Fair Credit Reporting Act ( FCRA ) - Section 611 ( a ) ( 1 ) ( A ) : FCRA requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of information. Both XXXX and Experian 's failure to perform a genuine investigation into the unauthorized inquiries violates this requirement. 
Fair Credit Reporting Act ( FCRA ) - Section 611 ( a ) ( 5 ) ( A ) : If, after an investigation, disputed information is found to be inaccurate, incomplete, or unverifiable, the credit reporting agency must promptly delete or modify that item. XXXX and Experian have not deleted or modified the unauthorized inquiries despite clear evidence of identity theft. 

The failure of XXXX and Experian to remove unauthorized credit inquiries from my credit report has caused significant financial harm. These inquiries have negatively impacted my XXXX XXXX, resulting in denied credit applications and higher interest rates. Additionally, the ongoing struggle to correct these inaccuracies has taken a severe toll on my XXXX XXXX, leading to XXXX and XXXX 


I am requesting the following actions be taken immediately : Removal of Unauthorized Inquiries : XXXX and Experian must promptly remove all unauthorized credit inquiries from my credit reports that I have reported and disputed. 
Conduct a Thorough Investigation : Both credit bureaus must conduct a thorough investigation into the disputed inquiries and provide me with detailed documentation of their findings and the methods used to verify the information. 
Compliance with FCRA : Ensure that XXXX and Experian comply with all relevant provisions of the FCRA in handling my disputes. 
Compensation for Damages : I seek compensation for the financial and XXXX XXXX caused by the negligence of XXXX and Experian in handling my identity theft case. 
I appreciate your attention to this matter and look forward to a prompt and fair resolution.