Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding inaccurate inquiries on my credit report that I believe are the result of a data breach. These inquiries are being reported without proper verification of my authorization, and my repeated attempts to address this matter have been ignored by the reporting entities. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, no entity has the right to access or pull a consumers credit report without permissible purpose. Additionally, under 15 U.S.C. 1681i ( a ), I have the right to dispute inaccurate or unauthorized information and expect a timely and thorough reinvestigation.

I have contacted the companies responsible for the credit inquiries and requested verification, including a wet signature or other supporting documentation proving that I authorized these inquiries. Despite my formal requests, I have received no evidence to substantiate these claims. This failure to provide verification violates the FCRA and raises serious concerns about compliance with federal laws. 

Furthermore, I am concerned that these inquiries may stem from a data breach, which has compromised my personal information and led to unauthorized activity on my credit report. This not only damages my credit standing but also exposes me to potential identity theft. 

I am requesting that the CFPB intervene to ensure the credit reporting agencies and the entities responsible for the inquiries comply with the FCRA and remove all unauthorized or unverified inquiries from my credit report immediately. 

For your reference, I have attached documentation, including my formal dispute letters to support my complaint. 
Inquiries that need supporting documentation are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to file a formal complaint regarding inquiries that are still being reported on my credit report beyond the legally permitted timeframe of XXXX years. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c, which governs the reporting of obsolete information.

Under 15 U.S.C. 1681c ( a ) ( 3 ), inquiries must not be reported on a consumer 's credit report after XXXX years from the date of the inquiry. Despite this legal requirement, I have identified multiple inquiries on my credit report that are older than XXXX years and have not been removed. 

I have attempted to resolve this issue by reaching out directly to the credit reporting agencies, but no corrective action has been taken to remove the outdated inquiries. This failure to comply with federal law and to ensure the accuracy of reported information violates 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies use reasonable procedures to ensure the maximum possible accuracy of consumer reports. 

The continued reporting of these expired inquiries is adversely affecting my credit profile and could unjustly impact my ability to secure credit. I respectfully request the CFPB to investigate this matter and ensure that the credit reporting agencies take immediate action to remove all inquiries that are no longer legally reportable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  For your reference, I have attached documentation, including copies of my credit report highlighting the outdated inquiries. 

Thank you for your attention to this matter. I look forward to your response and resolution. Please feel free to contact me if additional information or documentation is required.

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