Consumer complaint received 2025-07-28 00:00:00
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.
State: FL

Complaint narrative:
FINAL NOTICE AND WARNING Date : XX/XX/XXXXXXXX  To : Experian Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX Subject : FINAL NOTICE Demand for Immediate Removal of Unauthorized Hard Inquiries/ Unresolved Legal Noncompliance To Whom It May Concern, This letter serves as my final formal demand for the immediate removal of unauthorized hard inquiries from my Experian credit report. I initially submitted a formal dispute regarding these inquiries on XX/XX/XXXX. As of today, XX/XX/XXXX, more than 45 days have passed exceeding the maximum legal window of 30 days permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). 

You have failed to act, failed to validate the inquiries, and failed to provide any conclusive resolution. Therefore, this matter is no longer under investigation we are now in a state of legal noncompliance. 

FEDERAL VIOLATIONS Experian is currently in breach of the following federal statutes : 1. 15 U.S. Code 1681b Permissible Purpose of Credit Inquiries No valid permissible purpose exists for the inquiries listed below. You have not demonstrated any consumer-initiated relationship or prior authorization as required by law.

2. 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Timely Reinvestigation This law requires credit reporting agencies to complete a reinvestigation within 30 days. The clock started on XX/XX/XXXX, and expired on XX/XX/XXXX. You are in violation of this requirement. 
3. 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) Deletion of Unverified Information If you can not verify an inquiry within 30 days, you must delete it. You failed to do so.

4. 15 U.S. Code 1681n and 1681o Civil Liability Your inaction exposes Experian to civil liability for both willful and negligent noncompliance. I have preserved all relevant documentation and reserve the right to pursue legal remedies.

5. Obstruction of Rights Your platforms restriction of online dispute capabilities adds to this failure, further obstructing my ability to exercise my legal rights as a consumer.

XXXX  AND XXXX  COMPLIANCE For the record, XXXX  and XXXX both completed reinvestigations and removed the same inquiries without delay. This confirms that : The inquiries were unauthorized, The disputes were legitimate, and Experians failure to act is isolated, unjustified, and unlawful. 

LIST OF UNAUTHORIZED INQUIRIES TO BE REMOVED 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX To resolve this matter fairly and lawfully, I require that Experian : 1. Immediately remove all listed unauthorized inquiries from my credit file 2. Issue written confirmation of removal within seven ( 7 ) business days 3. Restore full access to your online dispute platform 4. Acknowledge that this issue is closed and no negative impact remains Should any inquiry listed above have affected my credit applications or scoring, I expect that Experian will assist in correcting any resulting damage with applicable third parties. 



FINAL WARNING FAILURE TO COMPLY If I do not receive full resolution and written confirmation by XX/XX/XXXX, I will : Proceed with litigation under 15 U.S. Code 1681n and 1681o Submit additional documentation to strengthen my formal complaints filed with the CFPB and FTC Seek damages for : Emotional distress Reputational harm Lost credit opportunities Legal fees You are now formally and finally on legal notice. 

Sincerely, XXXX XXXX

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