Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to demand the IMMEDIATE removal of unauthorized credit inquiries from my credit report. These inquiries include, but are not limited to, the following entities : 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 My personal information was compromised in a data breach, resulting in unauthorized inquiries made without my consent or knowledge. I have already filed formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), yet you continue to deny my valid dispute and fail to remove these inquiries. 

Let me be clear : your continued denial of my requests is a willful violation of my rights under the Fair Credit Reporting Act ( FCRA ). These inquiries were made without permissible purpose, and your refusal to remove them is illegal. You are in violation of the following critical provisions of the FCRA : 1. 15 U.S.C. 1681b ( c ) - Permissible purposes for consumer reports. Unauthorized inquiries do not meet this standard and should have been removed immediately upon dispute. 
2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Consumer reporting agencies must conduct a reasonable investigation of disputed information. Your failure to remove these inquiries after my dispute is a clear violation of this law. 
3. 15 U.S.C. 1681n - Liability for willful noncompliance. Continuing to report these unauthorized inquiries is willful noncompliance, and you are now legally exposed to both civil penalties and damages. 

The fact that you have ignored my dispute and legal rights for so long is unacceptable. I am giving you one final notice to remove these unauthorized inquiries within 24 hours from the receipt of this letter. 

Failure to comply will result in the following immediate actions : I will escalate my complaint to both the CFPB and the FTC for noncompliance with federal regulations. 
I will pursue legal action for damages caused by the continued reporting of these unauthorized inquiries, including damages for the harm to my credit, as well as potential punitive damages for willful misconduct. 
I will take further legal action to hold you accountable under the provisions of the FCRA. 

This matter is no longer negotiable. You have already been afforded ample time to act, and I will no longer tolerate any further denials or delays. You must remove these inquiries immediately and provide written confirmation of their removal. 

Failure to comply within 24 hours will result in XXXX and severe legal and regulatory actions. I expect to see the immediate removal of these inquiries without any further obstruction or excuses. 

Sincerely, 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