Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
To Whom It May Concern : I am writing to formally file a complaint regarding an unauthorized inquiry made by XXXX XXXX XXXX XXXX XXXX XXXX, on my consumer credit report. I did not provide consent for XXXX XXXX XXXX XXXX XXXX XXXX to access my credit information, nor do I believe there was any lawful or permissible reason for this inquiry to be made under applicable law. 
Details of the Violation : Date of Unauthorized Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Consumer Reporting Agency ( CRA ) : EXPERIAN By accessing my consumer credit report on the date referenced above without a permissible purpose, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ) ( 3 ) ( f ) ( i ). 
Legal References : Case Law : XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( S.D. XXXX. XXXX ) Statutes Violated : o 15 U.S.C. 1681b ( a ) ( 3 ) ( f ) ( i ) ( FCRA violation for unauthorized inquiry ) o 18 U.S.C. 1028A ( Aggravated Identity Theft ) o 15 U.S.C. 1681n ( a ) ( False Pretenses and FCRA violations ) I have not entered into any transaction with XXXX XXXX XXXX XXXX XXXX XXXX, nor do I have an account with XXXX XXXX XXXX XXXX XXXX XXXX, as defined under 15 U.S.C. 1693a ( 2 ). Therefore, there was no lawful basis for this inquiry. 
Impact and Damages : Due to this unlawful action, I have experienced significant harm, including the denial of credit and the inability to obtain credit line increases. Additionally, this unauthorized access to my personal information has resulted in reputational, emotional, physical, and financial distress. 
1. Deletion of the Unauthorized Inquiry : I request that you remove the unauthorized inquiry placed on my credit report with EXPERIAN on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
2. Settlement of Damages : In accordance with 15 U.S.C. 1681n, I am seeking compensation for the damages I have incurred as a result of this violation. I am willing to settle this matter for {$1000.00}. Should you fail to remit payment of this amount within 30 days from the receipt of this letter, I reserve the right to pursue further legal action to recover actual damages, which may exceed the aforementioned settlement offer. 
Request for Certification : Please provide a certification indicating the lawful purpose for the inquiry that was sent to the consumer reporting agencies, as required under FCRA Section 604 ( f ).

Additional References : Bureau of Consumer Financial Protection Advisory Opinion : 12 CFR Part 1022, Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports. 
Contact Information : Please direct any communications or payments regarding this matter to the following : CFPB PORTAL OR TO EMAIL ON FILE.

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