Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX : Legal Department/Disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **RE : URGENT DEMAND FOR DELETION OF INACCURATE CREDIT INQUIRIESXXXX XXXXXXXX XXXX XXXX  [ Insert your Experian File Number here ] ** **NOTICE OF INTENT TO PURSUE LEGAL ACTION FOR MULTIPLE FCRA VIOLATIONS** To Whom It May Concern : I am writing to formally dispute multiple unauthorized credit inquiries appearing on my Experian credit report. These inquiries violate several federal consumer protection laws and industry guidelines, and I demand their immediate removal. 

I have identified a pattern of multiple credit inquiries that were made within minutes of each other on the same dates, primarily on XX/XX/XXXX, from companies including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX This pattern constitutes multiple violations of federal law and industry standards. 

**SPECIFIC VIOLATIONS : ** **1. Equal Credit Opportunity Act ( ECOA ) Violations : ** - The pattern of multiple applications to similar high-cost lenders suggests discriminatory lending practices through improper " steering '' to subprime products - Regulation B ( 12 CFR 1002 ) prohibits discriminatory credit practices which this pattern suggests **2. Truth in Lending Act ( TILA ) Violations : ** - The rapid succession of applications indicates failure to provide proper disclosure of loan terms before applications were processed - Pattern suggests violations of disclosure requirements under Regulation Z ( 12 CFR 1026 ) **3. Fair Credit Reporting Act ( FCRA ) and FACT Act ( FACTA ) Violations : ** - Multiple inquiries within minutes violate Section 604 permissible purpose requirements- Failure to consolidate related inquiries violates accuracy provisions under Section 607 - Reporting of multiple inquiries for the same purpose violates Section 605 ( c ) ( 3 ) **4. XXXX XXXX XXXX XXXX ( XXXX ) Metro 2 Compliance Violations : ** - Failure to properly code inquiry types according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Non-compliance with Metro 2 Format " de-duplication '' standards for reporting similar inquiries - Violation of industry standards requiring similar inquiries within 14-45 day windows to be reported as single inquiries I hereby demand that Experian and its third-party vendors : 1. Conduct a thorough investigation of these disputed items XXXX. Remove ALL unauthorized credit inquiries listed in my report dated [ date on report ] 3. Provide documentation of the permissible purpose for each inquiry if you refuse to remove them 4. Update my credit report immediately and provide me with a corrected copy 5. Notify all recipients of my credit report within the last six months of these corrections **NOTICE OF RELEVANT LEGAL PRECEDENTS : ** I bring to your attention the following relevant legal precedents that establish Experian 's liability for the violations described above : 1. In XXXX, the Consumer Financial Protection Bureau ( CFPB ) sued Experian for conducting " sham investigations '' of credit report errors and failing to properly address consumer disputes, resulting in inaccurate information remaining on credit reports. The CFPB declared that " when consumers disputed errors on their credit reports, Experian conducted sham investigations rather than properly reviewing the disputes as required by federal law. '' 2. In a XXXX class action lawsuit against Experian, multiple consumers alleged that Experian purposely delayed investigating alleged inaccuracies in credit reports due to an internal policy labeling mailed-in claims as " suspicious, '' in direct violation of the FCRA. 

XXXX. In XXXX, Experian paid {XXXX XXXX to settle a class-action lawsuit that claimed the company failed to properly investigate customer disputes about inaccurate credit reports, similar to my situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX established that consumers do not need to prove actual damages to recover statutory damages for willful violations of the FCRA. 

XXXX XXXX XXXX XXXX  was ordered to pay XXXX XXXX XXXX XXXX XXXX XXXX  for failing to fix inaccuracies on her credit report after she disputed them. 

XXXX XXXX XXXX XXXX XXXX XXXX settlement was approved against the three major credit bureaus, including Experian, for violations of the FCRA by " recklessly failing to follow reasonable procedures to ensure accurate reporting '' - which was noted as the second-largest settlement ever in an FCRA lawsuit. 

XXXX. The Federal Trade Commission ( FTC ) has previously imposed a XXXX XXXX XXXX XXXX against Experian for FCRA violations. 

8. In another significant case, Experian agreed to pay XXXX XXXX  to settle a class action lawsuit ( XXXX v. Experian ) for allegedly disclosing consumers ' credit checks to a debt collector in violation of the FCRA. The lawsuit alleged that Experian failed to confirm that the debt collector was using the credit reports for a permissible purpose. 

9. The Consumer Financial Protection Bureau ( CFPB ) fined Experian XXXX XXXX for deceiving consumers about the use of credit scores, falsely representing that the credit scores it marketed and provided to consumers were the same scores lenders use to make credit decisions. 

10. Experian 's history of misusing consumer credit information and conducting inadequate investigations of disputes demonstrates a pattern of willful violations of the FCRA that courts have consistently penalized with significant monetary damages.

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