Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Formal Dispute of Unauthorized Inquiry XXXX XXXX  XXXX I am writing to dispute an unauthorized credit inquiry that has appeared on my credit report. This inquiry was not authorized by me, and it violates my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Unauthorized Inquiry Creditor/Requester : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Type : Hard Inquiry This inquiry was made without my explicit consent, in violation of the FCRAs permissible purposes for accessing a consumers credit file.

Violations of Federal Law Fair Credit Reporting Act ( FCRA ) : 1. Section 604 ( a ) ( 15 U.S.C. 1681b ) This section stipulates that credit inquiries can only be made for permissible purposes, such as with the explicit consent of the consumer. I did not authorize this inquiry, and no permissible purpose exists.

2. Section 611 ( a ) ( 15 U.S.C. 1681i ) Under this section, credit reporting agencies are required to investigate disputed items within 30 days.

3. Section 623 ( a ) ( 1 ) ( B ) ( 15 U.S.C. 1681s-2 ) Data furnishers, such as XXXX, must ensure that information they provide to credit bureaus is accurate and verifiable. An unauthorized inquiry does not meet these requirements. 
Fair Debt Collection Practices Act ( FDCPA ) : 1. Section 805 ( b ) ( 15 U.S.C. 1692c ( b ) ) If this inquiry was conducted in connection with a debt, it would constitute an unauthorized communication with a third party ( the credit bureau ) about a debt that has not been validated.

2. Section 808 ( 6 ) ( 15 U.S.C. 1692f ) Unauthorized inquiries may also constitute an unfair or unconscionable means of collecting a debt.

Requested Actions In light of these violations, I formally demand the following actions : 1. Immediate removal of the unauthorized inquiry from my credit report.

2. Written confirmation that this inquiry has been removed.

3. An updated copy of my credit report reflec
ting the correction.

Failure to address this dispute within the required 30-day period under the FCRA will result in legal action.

Evidence Supporting My Claim I have enclo
sed the following documents to support my dispute : 1. A copy of my credit report with the unauthorized inquiry clearly highlighted.

2. A copy of my government-issued identification and proof of address for verification purposes.

Legal Notice If this dispute is not resolved promptly, I reserve the right to pursue legal action under : FCRA Section 616 ( 15 U.S.C. 1681n ) for willful noncompliance, which provides for statutory damages, actual damages, and attorneys fees.

FCRA Section 617 ( 15 U.S.C. 1681o ) for negligent noncompliance.

FDCPA Section 813 ( 15 U.S.C. 1692k ) for damages arising from violations of my rights under the Act. 

Conclusion I trust that XXXX and Experian will take this matter seriously and act in compliance with federal law. I expect written confirmation of the resolution of this dispute within 30 days of receipt of this letter, as required by the FCRA. 

Thank you for your immediate attention to this matter.

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