Consumer complaint received 2024-08-11 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:
In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. 
I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently. 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX  XXXX ( XXXX ) - ( XXXX ) XX/XX/year> Inquiries XXXX  XXXX  XX/XX/year> Experian. I received a credit report from you that showed a few unfamiliar companies. 
It looks like they put an inquiry on my file without my knowledge, but this shouldn't be possible unless it was something approved by me first. Under U.S.

Code, 15, U.S.C 1681 es seq. Section 604, all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Please have this inquiry removed from my credit file or forward me documentation ( physical proof ) that you have proven permissible purpose for this inquiry. I am reporting that there are some negative items in my credit profile, and I have confirmed that they are not accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates " Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : XXXX  - Furnish information about accounts or other relationships with a consumer that has integrity. XXXX  - Furnish information about accounts or other relationships with a consumer that is accurate. XXXX - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the XXXX Any Deviation From These Standards Jeopardizes the Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports. With that said! I found some mistakes and inaccuracies in your report, and I would like to invoke my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer.I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting.The following claims about me were not reported correctly and do not meet federal requirements. I am challenging these claims and asking for proof that the proper reporting standards were followed. 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXXXXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/year> Inquiries XXXX XXXX XXXX XX/XX/year> Experian I found credit inquiries on my credit report that I don't remember authorizing. This could be a violation of the Fair Credit Reporting Act, and a serious breach of my privacy rights. I would like you to investigate this and get back to me with documentation of these inquiries with my signature on them. If they are found to be fraudulent, I would like them immediately deleted from my credit file. 
Appreciatively I have listed the concerns I have about your reporting in this document. It is not complete and does not meet my standards. According to the law, you and the data furnishers must certify all aspects of the required FCRA and Metro 2 compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports which is inaccurate or incomplete. This is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take legal action against the credit bureau. 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX  XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/year> Inquiries XXXX XXXX XXXX XXXXXX/XX/year> Experian I received a copy of my credit report and noticed a credit inquiry from a company that I don't remember authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file without my authorization, so please remove this inquiry from my credit file immediately. Please forward me documentation that you have investigated and removed the unauthorized inquiries. 
Appreciatively You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General XXXX XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL 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 non-monetary relief