Consumer complaint received 2024-12-08 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: IL

Complaint narrative:
Subject : Formal Dispute and Demand for Removal of Unauthorized/Inaccurate Credit Inquiries To Whom It May Concern, I am writing to formally dispute and demand the removal of several credit inquiries listed on my credit report that are not attached to any open account and/or were not authorized by me. The presence of these inquiries violates my rights under federal law, specifically the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which governs the permissible use and accuracy of consumer credit information. 

1. Violation of FCRA Inaccurate Credit Reporting The credit inquiries listed below are not connected to any open or active account, nor were they authorized in compliance with permissible purposes under : 15 U.S.C. 1681b : Permissible purposes of consumer reports. 
Credit inquiries should only appear on a consumers report if they were authorized or resulted from a transaction initiated by the consumer. Reporting unauthorized or inaccurate inquiries constitutes a violation of : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy of consumer credit information. 
2. Credit Inquiries in Question The following inquiries are inaccurate and must be removed : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. Negative Impact on Credit Profile These inaccurate inquiries are unfairly affecting my credit score and overall creditworthiness, resulting in material harm to my financial reputation. 

4. Request for Immediate Removal of Disputed Inquiries To resolve this matter, I demand that your agency : Investigate and verify each disputed inquiry listed above. 
Immediately remove any inquiry that can not be verified as authorized or attached to an open account. 
Provide a written statement confirming the removal of these inquiries and an updated copy of my credit report reflecting the changes. 

5. Legal Consequences for Non-Compliance Failure to investigate and correct these inaccuracies within the time frame required by law ( 30 days ) may result in legal action to enforce my rights under the FCRA. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if these inquiries are not promptly removed. 

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