Consumer complaint received 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries listed on my credit report. After reviewing my credit report, I have found that the following inquiries were made without my authorization and in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681n and 1681b : Inquiry Name : XXXX XXXX XXXX Inquired XXXXXXXX XXXX XXXX Inquired XXXXXXXX XXXX XXXX XXXXXXXX Inquired XXXX XXXX XXXX XXXXXXXX XXXX Inquired on02/23/2023 Violation of 15 U.S. Code 1681n This section of the FCRA establishes liability for willful non-compliance. Reporting inquiries that I did not authorize indicates that proper procedures were not followed, which constitutes a violation of my rights under the FCRA. Under 1681n, entities that violate the FCRA through willful non-compliance are subject to penalties, including damages.

Violation of 15 U.S. Code 1681b This section defines the permissible purposes for which a consumer report may be accessed.

These inquiries were made without my consent and for purposes not authorized under 1681b, which means they were not permissible under the FCRA. It is your legal responsibility to ensure that all inquiries are legitimate and properly authorized.

I am requesting that you immediately remove the unauthorized inquiries from my credit report and provide me with written confirmation of this deletion within 30 days. If these inquiries are not removed, I will be forced to take further action, including filing formal complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and possibly pursuing legal remedies as allowed by the FCRA.

Enclosed, please find a copy of my credit report with the disputed inquiries highlighted. I ask that you investigate this matter promptly and resolve it by removing the unauthorized inquiries from my credit file.

Thank you for your prompt attention to this serious matter. I look forward to your confirmation of the removal of these unauthorized inquiries.

I am writing to formally demand the immediate removal of several fraudulent items from my credit report due to identity theft. I have never authorized, used, or benefited from the debts in question in any way. Under the Fair Credit Reporting Act ( FCRA ) 605B, pursuant to sections 1681c-2 of the FCRA ( 15 U.S.C. 1681c-2 ), I am requesting that you block the reporting of any information in my file that I identify as resulting from illegal identity theft. Specifically, I demand the following actions : 1. Immediate investigation into and removal of the fraudulent debts from my credit report.

2. Blocking of these items from my credit report within the required 4-day period.

The items I am disputing have resulted in false and damaging information being reported on my credit file. As per the FCRA, you are required to act promptly on this matter. Please provide me with written confirmation once these items have been removed and blocked from my credit report. I have enclosed copies of relevant documentation, including my identity theft report, to support my claim. I trust that you will take the necessary steps to rectify this situation promptly and ensure the accuracy of my credit report.

605b Block of information resulting in identity theft ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Additionally ii request that you also comply in accordance with FCRA 623 ( a ) ( 6 ) ( A ) ,15 U.S.C. 1681s-2 ( a ) ( 6 ) ( A ).

Thank you for your immediate attention to this urgent matter. I look forward to your swift response and resolution. 

Account name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry : XXXX XXXX XXXXXX/XX/XXXX Inquiry : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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