Consumer complaint received 2024-11-14 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: FL

Complaint narrative:
Subject : Final Request for Removal of Unauthorized Credit Inquiries To : Experian I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/year> XXXX. XXXX XXXX XXXX Inquired on XX/XX/year> XXXX. XXXX XXXX XXXX Inquired on XX/XX/year> XXXX. XXXX XXXX XXXX XXXX on XX/XX/year> Final Basis for Dispute Under Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate or incomplete information, and it is your legal obligation to investigate these disputes and ensure the accuracy of the reported information. According to the law, failure to correct inaccurate information or remove unauthorized inquiries after an investigation constitutes a violation of the FCRA.

Furthermore, Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all informa
tion in my file, including details regarding the inquiries. To date, I have not received sufficient documentation or validation justifying the presence of these inquiries on my credit report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my authorization and are not supported by any permissible purpose under this law.

Additionally, I invoke Section 623 ( 15 U.S.C. 1681s-2 ), which holds data furnishers accountable for reporting accurate information to credit reporting agencies. By continuing to report these unauthorized inquiries, your office, as well as the responsible data furnishers, are in direct violation of this section of the FCRA.

Likewise, under Section 605A ( 15 U.S.C. 1681c-1 ) of the FCRA, which deals with protections against identity theft, it is your duty to ensure that unauthorized inquiries, particularly those potentially related to identity theft, are removed from my credit report. 


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