Consumer complaint received 2024-10-01 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: CA

Complaint narrative:
to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 When I made the decision to use my rights under FCRA, it was with the intent of fighting any inaccurate or incomplete information in my credit report. By doing so, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner that is compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There is no proof that I am delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims. 
It is important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Please confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. 
Below is a summary of the data in which I am challenging : Accounts : XXXX XXXXXXXX Act # XXXX is reporting inaccurately and needs to be deleted XXXX XXXX # XXXX is also reporting inaccurately so it also needs to be deleted Summary of Inquiries being challenged in list form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I

received a credit report from you and there are some companies that I'm unfamiliar with. Looks like they put an inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first! U.S. Code 15 USC 1681 ES Seg Section 604 states all users must have a permitted purpose under the Fair Reporting Act to obtain consumer reports. Please remove these inquiries or forward documentation proving they should be on my report.

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 non-monetary relief