Consumer complaint received 2024-09-23 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: NY

Complaint narrative:
To Whom It May Concern, If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice before my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but very conditional, reporting privileges for any of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, and ECOA, as well as any applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( XXXX ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so concerning a come il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA! I have recently obtained copies of my consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. 

Listed below are the Inquiries that are being challenged : XXXX XXXX XXXXXXXX This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reported. 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. 

XXXX XXXX XXXX This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reported. 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. 

XXXXXXXX XXXX XXXX XXXXXX/XX/year> This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reported. 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. 

XXXXXXXX XXXX XXXX XXXXXX/XX/year> This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reported. 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.

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