Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : URGENT Dispute of Inaccurate Hard Inquiries/ Incorrect Response to Claim XXXX FCRA Violation Dear Experian, I am writing to formally dispute, once again, the inaccurate and unauthorized hard inquiries that remain on my Experian credit report. This letter also serves as a direct response to Claim XXXX, for which Experian issued an incorrect and incomplete response after more than two months.

I am requesting clarification and documentation regarding what specific investigation Experian conducted, because the results you provided contradict the investigations completed by both XXXX  and XXXX, who have already removed these exact same hard inquiries from my credit reports. 

The CFPB already has the records of those disputes, and I will be attaching the evidence again in this new submission, including the updated XXXX  and XXXX  reports showing the deletions. 



FCRA Violations & Legal Requirements Under the Fair Credit Reporting Act ( FCRA ), Sections 611 ( 15 U.S.C. 1681i ) and 623 ( a ) ( 1 ) ( 15 U.S.C. 1681s-2 ( a ) ), Experian is legally required to : 1. Investigate any disputed information on a consumer credit report.

2. Correct or delete any information that is inaccurate, incomplete, or unverifiable.

3. Maintain only accurate data reporting unverifiable or false information exposes Experian to statutory damages and legal liability.

Experians failure to delete these inquirieswhen the other two credit bureaus already verified they were inaccurateconstitutes a concerning inconsistency.

Therefore, I demand written clarification regarding : What investigation did Experian conduct?

What documentation was reviewed?

Why is Experians conclusion different from XXXX  and XXXX? 



Hard Inquiries That Must Be Deleted Immediately Experian must provide proof that these inquiries were authorized and signed by me. If you can not prove it, you are legally required to delete them. 
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  Attached Evidence I am attaching : Updated XXXX  report showing the deletion of the same inquiries. 
Updated XXXX  report showing the deletion. 
Copies of prior bureau responses submitted to CFPB. 



My Requests to Experian You are required to : 1. Conduct a full, complete, and independent investigation immediately.

2. Delete all inaccurate, unverifiable, or previously removed inquiries.

3. Provide a corrected Experian credit report.

4. Send me copies of all documentation used in your investigation.

Failure to comply within the FCRA-mandated 30-day period will result in escalation of this case to the Consumer Financial Protection Bureau ( CFPB ) and potential pursuit of legal remedies for non-compliance, negligence, and the continued reporting of false or unverifiable information.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX Phone : XXXX SSN ( Last 4 ) : 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