Consumer complaint received 2024-12-23 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: GA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Unauthorized Credit Inquiry by XXXX Card in Violation of FCRA Section 609 ( b ) Dear Consumer Financial Protection Bureau , I am writing to formally lodge a complaint regarding an unauthorized credit inquiry on my credit report by XXXX Card. This inquiry appears to be a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( b ), which governs the permissible purposes for accessing consumer credit information. 

Details of the Issue : Unauthorized Inquiry : Upon reviewing my credit report, I discovered an inquiry listed under " XXXX XXXX '' that I did not authorize. I have never applied for or requested any credit product or service associated with XXXX XXXX. 

Potential Data Breach : This unauthorized inquiry raises concerns about a potential credit breach, as my personal information may have been accessed and misused without my consent.

Violation of FCRA Section 609 ( b ) : Under the FCRA, credit inquiries must be conducted with the explicit consent of the consumer or for a permissible purpose as defined by the statute. The presence of this inquiry without my authorization constitutes a clear violation of these provisions. 

Steps Taken to Resolve the Issue : I have attempted to contact XXXX XXXX directly to request an explanation and evidence of permissible purpose or authorization for this inquiry. As of this date, I have not received any satisfactory response. 

I have also disputed this inquiry with the credit reporting agencies ( XXXX, Experian, and XXXX ) but have not received confirmation that it has been removed. 

Requested Resolution : I request that the CFPB investigate this matter thoroughly and hold XXXX Card accountable for any improper actions or violations of the FCRA. 

I request that XXXX Card provide documentation verifying the permissible purpose or consumer authorization for this inquiry. If no such documentation exists, I request that the inquiry be immediately removed from my credit report. 

I request that measures be taken to ensure that XXXX Card complies with FCRA regulations to prevent unauthorized inquiries or breaches of consumer credit information in the future. 

Enclosed with this letter, I have provided : A copy of my credit report highlighting the unauthorized inquiry by XXXX Card. 

Copies of correspondence I have sent to XXXX Card and the credit reporting agencies regarding this issue. 

This unauthorized inquiry has caused me unnecessary distress and raises serious concerns about the security of my personal information. I trust the CFPB will take swift action to address this violation and ensure compliance with consumer protection laws. 

Thank you for your attention to this matter. I look forward to your response.

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