Consumer complaint received 2025-04-24 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: OR

Complaint narrative:
This letter is a final escalation and a formal record of your continued failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I refer to my previous letter, dated XX/XX/XXXX, wherein I identified a list of unauthorized or unverified inquiries that you have allowed to remain on my credit report, despite my documented dispute and request for a proper investigation. You have not provided any documented results of an investigation, nor have you removed the inquiries in question. This is a direct and willful violation of FCRA 611 ( a ) and 604 ( a ) ( 3 ), which governs the permissible purposes for accessing a consumers credit report. Your failure to act in good faith or respond within the required time frame constitutes a breach of your legal obligations and subjects you to potential civil liability under FCRA 616 and 617.

Summary of Your Violations : Failure to investigate disputed inquiries within the 30-day time frame mandated by FCRA ; Failure to provide documentation showing that these entities had a permissible purpose to access my credit file ; Continuing to publish unverified and potentially unauthorized inquiries, thereby damaging my creditworthiness. 

Renewed Demand : You are hereby given one final opportunity to correct the following before I proceed with legal action : Provide written documentation verifying the permissible purpose under FCRA 604 ( a ) for each inquiry listed in my prior letter ; Provide contact information and identity validation of each party that accessed my credit report ; Remove all unverifiable inquiries from my credit file immediately ; Send me a detailed reinvestigation report within 15 calendar days from the date of this letter. 

If you are unable to provide documentation that confirms a legitimate business relationship or a permissible purpose for any of the listed inquiries, the law is clear : you must delete them. 

Legal Action Pending : If I do not receive a full and compliant response by [ insert deadline 15 calendar days from todays date ], I will proceed with the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) ; Submit reports to the Federal Trade Commission ( FTC ) and my State Attorney General ; Initiate a civil lawsuit against Equifax for willful and/or negligent violations of FCRA, including : 1.Statutory damages of up to {$1000.00} per violation ; 2.Actual damages including credit denial and emotional distress ; 3.Punitive damages, attorneys fees, and legal costs. 

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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