Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Dispute of Improper Investigation and Re-Reporting of Hard Inquiries on Experian Credit Report To Whom It May Concern, I am writing to formally dispute the improper handling of hard inquiries that I never authorized. That were incorrectly re-reported on my Experian credit report. These inquiries were previously disputed, removed, and later re-reported without proper notification of the investigation findings, as required by the Fair Credit Reporting Act ( FCRA ). I did not receive the necessary notice of findings within the 30-day period, as stipulated by law. 
The inquiries in question are as follows : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry scheduled to remain on record until XX/XX/XXXX I am disputing the re-reporting of these inquiries on my credit report due to the following violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i ( a ) ( 1 ) which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ) which mandates that I be notified of the results of any reinvestigation within 30 days.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) which states that if information is found to be inaccurate or incomplete, it must be corrected or deleted. 
I request that the Consumer Financial Protection Bureau ( CFPB ) investigate the improper re-reporting of these inquiries and ensure that my rights under the FCRA are upheld. Specifically, I request the following : 1. An investigation into the improper re-reporting of the hard inquiries on my Experian credit report.

2. Confirmation that I will be properly notified of the findings of any reinvestigation within the 30-day period.

3. The correction or removal of any inaccurate or incomplete hard inquiries from my credit report. 
My personal information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Number : XXXX Email Address : XXXX Date of Birth : XX/XX/XXXX Please let me know if additional information or documentation is needed to facilitate your investigation. I appreciate your prompt attention to this matter and look forward to your timely response. 
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