Consumer complaint received 2024-07-27 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : UNAUTHORIZED CREDIT INQUIRIES AND REQUEST FOR RESOLUTION DEAR SIR/MADAM, I HOPE THIS LETTER FINDS YOU WELL. I AM WRITING TO BRING TO YOUR ATTENTION A MATTER OF CONCERN REGARDING UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT HELD BY EXPERIAN. 
UPON REVIEWING MY CREDIT REPORT, I DISCOVERED SEVERAL CREDIT INQUIRIES THAT I DID NOT AUTHORIZE OR INITIATE. THESE UNAUTHORIZED INQUIRIES HAVE RAISED CONCERNS ABOUT THE SECURITY OF MY PERSONAL CREDIT INFORMATION. TO PROVIDE YOU WITH MORE CONTEXT, THE UNAUTHORIZED INQUIRIES APPEAR AS FOLLOWS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I UNDERSTAND THAT EXPERIAN TAKES ITS RESPONSIBILITIES SERIOUSLY WHEN IT COMES TO THE ACCURACY AND INTEGRITY OF CREDIT REPORTS. UNAUTHORIZED INQUIRIES CAN NEGATIVELY IMPACT AN INDIVIDUAL 'S CREDITWORTHINESS AND FINANCIAL SECURITY. TO ADDRESS THIS MATTER EFFICIENTLY AND AVOID UNNECESSARY COSTS ASSOCIATED WITH LEGAL PROCEEDINGS, I AM PROPOSING A RESOLUTION THAT WOULD BENEFIT BOTH PARTIES INVOLVED. 
ARBITRATION, AS YOU ARE AWARE, CAN BE AN EXPENSIVE AND TIME-CONSUMING PROCESS. IN THE SPIRIT OF RESOLVING THIS ISSUE AMICABLY AND TO THE SATISFACTION OF ALL PARTIES, I KINDLY REQUEST THAT EXPERIAN CONSIDER THE FOLLOWING : 1. REMOVE THE UNAUTHORIZED INQUIRIES : I ASK THAT EXPERIAN PROMPTLY REMOVE THE UNAUTHORIZED CREDIT INQUIRIES FROM MY CREDIT REPORT. THIS ACTION WILL HELP TO RECTIFY THE INACCURACIES ON MY REPORT AND ALLEVIATE ANY POTENTIAL HARM TO MY CREDITWORTHINESS.

2. COOPERATION AND GOODWILL : IN RETURN FOR EXPERIAN 'S COOPERATION IN REMOVING THESE UNAUTHORIZED INQUIRIES, I AM WILLING TO FORGO ANY FURTHER ACTIONS, INCLUDING ARBITRATION OR LEGAL PROCEEDINGS, RELATED TO THIS MATTER. THIS APPROACH WILL SAVE BOTH PARTIES THE EXPENSES ASSOCIATED WITH SUCH PROCESSES. 
I BELIEVE THAT A MUTUALLY BENEFICIAL RESOLUTION CAN BE ACHIEVED BY ADDRESSING THIS ISSUE PROMPTLY AND EFFICIENTLY. BY REMOVING THE UNAUTHORIZED INQUIRIES, WE CAN MAINTAIN THE ACCURACY AND INTEGRITY OF MY CREDIT REPORT WHILE AVOIDING UNNECESSARY COSTS AND POTENTIAL LEGAL DISPUTES. 
I KINDLY REQUEST THAT EXPERIAN RESPOND TO THIS LETTER WITHIN 15 DAYS OF RECEIPT TO CONFIRM YOUR WILLINGNESS TO COOPERATE AND REMOVE THE UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. 
I VALUE EXPERIAN 'S COMMITMENT TO MAINTAINING THE ACCURACY OF CREDIT INFORMATION, AND I AM CONFIDENT THAT THIS MATTER CAN BE RESOLVED IN A MANNER THAT BENEFITS BOTH PARTIES INVOLVED. IF YOU REQUIRE ANY FURTHER INFORMATION OR DOCUMENTATION FROM MY END, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX OR VIA EMAIL AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER, AND I LOOK FORWARD TO A TIMELY RESOLUTION. 
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