Consumer complaint received 2025-05-22 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: MI

Complaint narrative:
SECOND NOTICE Consumer Complaint : Unauthorized Credit Inquiries & Invalid Account Reporting Complainant Information : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( last 4 digits ) : XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Subject : Unauthorized Hard Inquiries, Invalid Account Reporting & FCRA/Metro 2 Violations To Whom It May Concern, This correspondence serves as my SECOND FORMAL NOTICE demanding the immediate removal of unauthorized hard inquiries and a fraudulent account that continue to report inaccurately on my credit profile in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance guidelines .

Despite my prior dispute, no supporting documentation has been produced showing that the inquiries listed below were conducted with my knowledge, consent, or under any valid permissible purpose. The credit bureaus have failed to remove these entries, thereby violating my rights as a consumer.

The following companies accessed my credit report without authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appears twice XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Type : Auto Financing ( I did not apply for any auto loans ) Violations for Hard Inquiries : 1.FCRA 604 ( a ) : No permissible purpose for these inquiries.

2.FCRA 604 ( f ) : It is ILLEGAL to obtain a report without lawful authority.

3.FCRA 611 ( a ) ( 1 ) ( A ) : The reinvestigation was not properly conducted.

4.FCRA 611 ( a ) ( 5 ) : You must delete unverifiable information within 30 days.

5.15 U.S. Code 1681i ( a ) : Reinvestigation duties not fulfilled.

6.Metro 2 Compliance : Data is being reported without verification or accuracy, which contradicts the required standard for credit reporting.

7.FCRA 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy.

Additional Violation : XXXX XXXX XXXX XXXX I also demand the immediate removal of the following account from my credit report due to false and conflicting reporting : Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Status : Closed Charged Off Balance Reporting : {$2200.00} as of XX/XX/XXXX Last Payment Date : XX/XX/XXXX Violations for XXXX Account : FCRA 605 ( b ) : Inaccurate balance reporting on a closed and charged-off account.

FCRA 611 ( a ) ( 1 ) ( A ) : No reinvestigation or proof of validation provided.

FCRA 1681i ( a ) : Failure to verify or properly investigate disputed data.

Metro 2 Compliance : A charged-off account can not report as both closed and past due. This contradiction violates Metro 2 formatting and data accuracy guidelines.

Demand for Immediate Action : 1.Delete all unauthorized hard inquiries listed above.

2.Delete the XXXX XXXX XXXX XXXX account from all credit bureaus. 
3.Provide documented proof of any alleged authorization or application related to these entries.

4.Disclose who verified these entries and how.

Failure to comply will result in complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), State Attorney General, and legal actions seeking statutory damages for willful and negligent violations of federal law.

I expect your response and resolution within the time frame mandated by the FCRA.

Sincerely, XXXX 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