Consumer complaint received 2025-03-01 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: PA

Complaint narrative:
I am writing to request the removal of unauthorized inquiries from my credit report, as permitted under Section 609 of the Fair Credit Reporting Act. I believe these inquiries are inaccurate and were not authorized by me.Please Block and remove all information resulting from Identity theft pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) which states that these accounts must be removed within 4 business days of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & violated my consumer reports on XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX without a permissible purpose as per 15 U.S.C. 1681b ( 2 ) or knowingly without a legitimate business reason pursuant 15 U.S.C. 1681 b ( a ) 3 ( f ) Equifax XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Pennsylvania XXXX XX/XX/XXXX To whom it may concern, I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question.

I checked my personal credit report, which I acquired from your organizationand I noticed that this unauthorized inquiry had been made : INQUIRY Creditor Name XXXX XXXX Date of inquiry XXXX XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - Your actions are in violation of FCRA Laws and CDIA Standards. I insist that you remove this erroneous information. 

XXXX XX/XX/XXXX I hereby acknowledge receipt of the credit report that you have provided me. However, I noticed that there are several companies listed on the report that I am not familiar with. It appears that they made inquiries on my credit file without my knowledge or authorization. As per the U.S. Code 15 USC 1681 ES Seg Section 604, all users must have a permitted purpose under the Fair Reporting Act to obtain consumer reports.

I kindly request your assistance in removing these potential unauthorized inquiries from my credit report. Alternatively, if there is documentation proving that these inquiries were authorized, please forward it to me for my review. I thank you in advance for your prompt attention to this matter. 
Creditor Name XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - Your actions are in violation of FCRA Laws and CDIA Standards. I insist that you remove this erroneous information.

I recently obtained a copy of my credit report and was disconcerted to observe credit inquiries made by companies for which I have no recollection of granting authorization. I am aware that inquiries should not be placed on my credit file without proper consent, and I kindly request the prompt removal of this unauthorized inquiry from my credit file. Furthermore, I would greatly appreciate receiving official documentation confirming that a thorough investigation has been conducted and that the aforementioned unauthorized inquiries have been successfully expunged. 
Creditor Name XXXX XXXX XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - Your actions are in violation of FCRA Laws and CDIA Standards. I insist that you remove this erroneous information. 

I have attempted to communicate with XXXX XXXX XXXX  XX/XX/XXXX regarding the credit inquiry they placed on my credit profile. Despite my request for the removal of the inquiry and the cessation of their unlawful activities, they have failed to respond. It has been over 30 business days since I sent the letter, and I have not received any communication from their office.

As a result, I am respectfully requesting your assistance in resolving this matter. Pursuant to the provisions of the Fair Credit Reporting Act, I kindly request that you conduct an investigation into this inquiry on my credit report to determine the identity of the authorizing party. If, following the completion of your investigation, you find merit in my assertion, I request that you promptly remove the unauthorized inquiry from my credit report and provide me with an updated copy of my credit report, which can be sent to the address listed above.

In the event that you determine the inquiry to be valid, I respectfully request that you provide me with a detailed description of the procedures that were utilized during your investigation within 15 business days of its conclusion. Thank you for your prompt attention to this matter. 
Creditor Name XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - Your actions are in violation of FCRA Laws and CDIA Standards. I insist that you remove this erroneous information. 

XXXXXXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX Kindly be advised that I have no recollection of granting permission for the inquiry in question and would greatly appreciate the opportunity to review the credit application in question. As per the Fair Credit Reporting Act, it is required that any credit inquiry be authorized by the individual seeking credit. 

For both our records, I am submitting this request by mail. I kindly request that you furnish me with documentation of the authorization as soon as possible or submit a request to the relevant credit bureaus to remove the inquiry if an error has been identified. Thank you for your attention to this matter.

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.

Furthermore, I would like to request that upon your removal or adequate modification of the disputed claim ( s ) to a level no less than factually and lawfully adequate, you must provide me with an updated copy of my credit report ( s ) displaying all removed, modified, and updated information. This is your legal responsibility to prove your adherence to all federal reporting mandates, as well as any applicable state laws, including but not limited to FCBA, FCRA, and ECOA, in alignment with your industry 's standard for perfect and complete utilization of the mandated Metro 2 Format, as previously mentioned.

Please note that I am labeling this notice to be forwarded to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) as official complaints. I am requesting that these governing bodies take action to rectify what appears to be your non-compliant and potentially unlawful reporting practices, including your erroneous or incomplete reporting of negative and injurious claims against me.

Lastly, I would like to bring your attention to 15 USC 1692e ( 8 ), which states that communicating or threatening to communicate false credit information to any person, which is known to be false or should have been known to be false, including the failure to communicate that the reporting of such an alleged debt is challenged for proof demonstrating the factually certified compliant reporting practices, is grounds for a lawsuit applying a {$1000.00} fine for each violation. Additionally, entities furnishing data in the Metro 2 Format are responsible for providing data that they believe will satisfy their obligations in compliance with relevant laws. 

In genuine sincerity, My requisite reported first and last name is exactly XXXX XXXX *Please take note of any attached image proofs containing my personal identification information that are not being contested.

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