Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
# FORMAL DISPUTE LETTER # # FCRA Section 611 ( 15 U.S.C. 1681i ) - DEMAND FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX **VIA CERTIFIED MAIL - RETURN RECEIPT REQUESTED** Clarity Services XXXX XXXX XXXX 
Attn : Consumer Disputes Department XXXX XXXX XXXX XXXX, FL XXXX **Re : Consumer File Number : XXXX **DEMAND FOR REINVESTIGATION AND REMOVAL OF UNAUTHORIZED INQUIRIES** **Citation : XXXX XXXX XXXX Information Services , LLC , XXXX XXXX XXXX ( XXXX XXXX. XXXX. XXXX, XXXX ) ** To Whom It May Concern : I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) Section 611 [ 15 U.S.C. 1681i ], the Fair and Accurate Credit Transactions Act ( FACTA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Gramm-Leach-Bliley Act ( GLBA ) to formally dispute the accuracy and permissible purpose of multiple inquiries appearing in my consumer report. After reviewing my Clarity Credit Report dated XX/XX/XXXX, I have identified numerous unauthorized and potentially fraudulent inquiries that violate multiple federal regulations. 

As the United States XXXX XXXX XXXX for the XXXX XXXX affirmed in XXXX XXXX XXXX XXXX XXXX, XXXX, No. XXXX ( XXXX XXXX. XXXX. XXXX, XXXX ), consumer reporting agencies have a legal obligation to conduct genuinely reasonable reinvestigations of consumer disputes, which includes " something more than merely parroting information received from other sources. '' The XXXX XXXX further established that a reporting agency must " exercise judgment '' and conduct an " independent '' evaluation in its reinvestigation. 

# # ITEMS BEING DISPUTED I dispute ALL of the following items appearing in my Clarity Credit Report ( Consumer File Number : XXXX ) : XXXX. **Excessive Inquiries ( 73 Reported Instances ) ** : As documented on page 11 of my report under " # of Times Reported, '' my personal identifying information has been accessed XXXX times between XX/XX/XXXX and XX/XX/XXXX, which is an alarming and suspicious frequency that suggests widespread unauthorized access. 

2. **Multiple Unauthorized Lending Inquiries**, including but not limited to : - Multiple inquiries from Green Arrow Solutions ( Online Installment Loan ) - Multiple inquiries from Greenline Loans/Eagle/Integra XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX - Cash XXXX ( Online Line of Credit ) dated XX/XX/XXXX - Explore XXXX Financial System ( Online Installment Loan ) dated XX/XX/XXXX XXXX XXXX XXXX XXXX ( Online Installment Loan ) dated XX/XX/XXXX - eLoanWarehouse ( Online Installment Loan ) dated XX/XX/XXXX - Perpay/Deserve ( Credit Card ) dated XX/XX/XXXX XXXX. **Inaccurate Address Information** : My report shows multiple addresses with tracking numbers, including an address at " XXXX XXXX XXXX XXXX LA XXXX '' that contains a typographical error of my actual address ( XXXX XXXX XXXX ). This suggests potential identity theft, data corruption, or negligent data maintenance practices. 

4. **Incorrect Housing Status Information** : The report incorrectly shows multiple housing statuses ( OTHER, OWN, RENT ) with conflicting dates, creating an inaccurate and misleading representation of my housing history.

# # LEGAL BASIS FOR DISPUTE The disputed inquiries violate multiple federal regulations and established case law : 1. **FCRA Section 604 [ 15 U.S.C. 1681b ] ** - These inquiries lack proper permissible purpose. I did not provide authorization for these entities to access my credit information, making these hard inquiries impermissible under federal law.

2. **FCRA Section 607 [ 15 U.S.C. 1681e ] ** - Clarity Services fa
iled to maintain reasonable procedures designed to limit the furnishing of consumer reports to the permissible purposes listed under Section 604.

3. **FCRA Section 611 [ 15 U.S.C. 1681i ] ** - Your agency has an obligation to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX LLC** XXXX The Ninth Circuit Court of Appeals upheld a jury verdict against XXXX, emphasizing that a " reasonable reinvestigation '' requires credit reporting agencies to do more than " merely parroting information received from other sources. '' The Court upheld a {$18.00} million punitive damages award, finding that XXXX XXXXs failure to conduct proper reinvestigations of disputed information was willful and in " reckless disregard '' of its FCRA obligations. 

5. **Metro 2 Format Violations** - The Consumer Data Industry Association 's Credit Reporting Resource Guide ( XXXX ) provides specific guidelines for properly recording inquiries, which have not been followed in my consumer file. 

6. **GLBA Privacy Rule [ 16 CFR Part 313 ] ** - The unauthorized sharing of my nonpublic personal information violates privacy protections established under the Gramm-Leach-Bliley Act.

7. **FACTA Section 612 [ 15 U.S.C. 1681j ] ** - The presence of these unauthorized inquiries affects my ability to receive a fair and accurate credit report.

# # DEMAND FOR ACTION Pursuant to FCRA Section 611 ( a ) and the standards established in XXXX XXXX XXXX, I hereby demand that within 30 days of receipt of this dispute, you : XXXX. XXXX a thorough and independent reinvestigation of all disputed inquiries listed above, which must include " something more than merely parroting information '' from the data furnishers, as required by established case law.

2. Remove ALL unauthorized inquiries from my credit file.

3. Provide proof of my original authorization for each inquiry if you claim they were authorized ( i.e., signed applications, recorded verbal authorizations, or electronic consent records with IP addresses and timestamps ).

4. Notify all entities that accessed my report without proper authorization to delete any information they received.

5. Document your investigative steps, including names of individuals contacted, methods of verification employed, and specific information reviewed, as required by the standard established in XXXX v. XXXX. 

6. Provide me written confirmation of the results of your investigation, including : - Detailed documentation of all actions taken - Updated copy of my full consumer report showing all inquiries have been removed - Names and contact information of all individuals involved in the reinvestigation - Specific explanation of how you verified any information you claim is accurate Should Clarity Services fail to comply with this request within the 30-day period prescribed by FCRA Section 611 ( a ) ( 1 ), I will pursue all available legal remedies, including but not limited to : 1. Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) 2. Filing formal complaints with the Federal Trade Commission ( FTC ) 3. Pursuing claims for actual and punitive damages under FCRA Section 616 and 617 [ 15 U.S.C. 1681n and 1681o ] 4. Seeking civil penalties for willful noncompliance, noting that courts have upheld substantial punitive damages ( as in the {$18.00} XXXX award in XXXX v. XXXX ) when credit reporting agencies engage in willful violations of FCRA

Company response to consumer: Closed with explanation