Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Experian 's Refusal to Remove Fraudulent Hard Inquiries To Whom It May Concern : I am writing to formally file a complaint against Experian for failing to remove fraudulent hard inquiries from my credit report, despite my repeated disputes and evidence of fraud. Both XXXX and XXXX have already removed these inquiries after verifying that they were not authorized by me. Experians refusal is causing undue harm to my credit and violates consumer protection laws.

Details of the Issue 1. Fraudulent Inquiries : I discovered several unauthorized hard inquiries on my credit report issued by Experian. These inquiries were the result of identity theft, and I have provided Experian with evidence to support this claim, including police reports and identity theft affidavits.

2. Disparity Among Credit Bureaus : Both XXXX and XXXX reviewed the same evidence and promptly removed the fraudulent inquiries. However, Experian has refused to do so, claiming that the inquiries are valid without providing sufficient proof of their legitimacy.

3. Impact on My Credit : These fraudulent hard inquiries have significantly lowered my credit score, affecting my ability to obtain credit and financial services.

Applicable Legal References Experians refusal to remove these inquiries violates the following provisions of federal law : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ) : This section requires credit reporting agencies to block information resulting from identity theft within four business days of receiving proof of identity theft.

2. FCRA, 15 U.S.C. 1681i : Credit reporting agencies are obligated to conduct a reasonable investigation of disputed items and must remove information that can not be verified.

3. FCRA, 15 U.S.C. 1681n and 1681o : Willful or negligent noncompliance with the FCRA may subject Experian to civil liability.

4. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e : Prohibits the use of false or deceptive practices, including reporting incorrect credit information.

Requested Resolution I request that the CFPB investigate Experians handling of my disputes and take appropriate action to ensure compliance with federal laws. Specifically, I am asking for : 1. Immediate removal of all fraudulent hard inquiries from my Experian credit report.

2. A written explanation of why Experian failed to comply with its obligations under the FCRA, despite clear evidence of fraud.

3. Compensation for any damages caused by this issue, including legal costs if necessary.

I have attached all supporting documentation, including police reports, identity theft affidavits, prior correspondence with Experian, and proof of resolution by XXXX and XXXX. 
Thank you for your attention to this matter. I trust that the CFPB will take swift action to address Experians failure to protect consumers from fraudulent activity. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require additional information. 
Sincerely, XXXX 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