Consumer complaint received 2024-05-05 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: CA

Complaint narrative:
I just recently looked at my report from Experian on XXXX XXXX, and I saw some hard inquiries that are the result of Identity Theft Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt..

These accounts are causing me hardship and they are hindering me from obtaining new credit.

I am writing to follow up on a previous complaint I submitted concerning inaccuracies in my credit report, specifically related to unauthorized inquiries that are a result of identity theft. Despite my diligent efforts to resolve this issue through various means, the credit bureau has failed to rectify the inaccuracies in compliance with the Fair Credit Reporting Act ( FCRA ).

On reviewing my credit report after filing an FTC report for identity theft, I identified unauthorized inquiries that should not be present. Pursuant to FCRA Section 609B and under the guidelines of Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681c-2 ), I demanded the immediate removal of these inquiries within four business days. Despite this, the credit bureau has not taken the required action.

Furthermore, I have contacted the credit bureau directly to request the removal of these inquiries, but my requests were not honored, demonstrating a lack of adherence to 15 U.S.C. 1681s-2, which mandates that no inaccurate information should be furnished by any entity if it knows or has reason to believe the information is inaccurate.

I provided a detailed dispute letter ( Letter 609B ) and followed up with a phone call. Despite these efforts, the bureau 's investigation concluded without rectifying the inaccuracies, contradicting 15 USC 1681i 5, which requires the agency to delete or modify unverified or inaccurate information promptly.

Moreover, the bureau has failed to provide a comprehensive description of the reinvestigation process as stipulated under 15 USC 1681i ( 7 ), leaving me without the necessary transparency and clarity on the actions taken ( or not taken ) regarding my dispute.

The continued presence of these inaccuracies on my credit report not only violates the FCRA but also has a detrimental impact on my financial wellbeing. I seek the Bureau 's intervention to ensure that the credit reporting agency adheres to the stipulated laws and rectifies the errors on my credit report without further delay.

Enclosed, please find all relevant documentation, including copies of my previous correspondences, the FTC identity theft report, and evidence supporting the unauthorized nature of the inquiries in question.

I appreciate your attention to this urgent matter and look forward to your swift action to enforce compliance with the FCRA and safeguard my consumer rights.

These accounts are causing me hardship and they are hindering me from obtaining new credit. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ). 

XXXX XXXX XXXX XXXX  XX/XX/XXXX block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ). 

XXXX XXXX XX/XX/XXXX block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ). 

XXXX XXXX XX/XX/XXXX block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ). 

XXXX XXXX XX/XX/XXXX block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ).

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