Consumer complaint received 2024-08-31 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:
Experian is furnishing inaccurate information on my credit report which is violating my rights as a consumer and causing harm to my personal life. 

As of XX/XX/year>, as listed on my most recently reviewed consumer report, there is a fraudulent and inaccurate " Hard Inquiry '' allegedly made by " XXXX '' on XX/XX/year>. 

The furnishing of this inaccurate information is a direct violation of 15 U.S.C 1681, since the information is simply inaccurate and unfairly being reported.

This was not made by me the consumer, and has no permissible purpose to be reporting on my consumer report. This is a direct violation of 15 U.S.C. 1681b ( a ) ( 2 ), since I never gave Experian any form of written or expressed consent to furnish this information on my consumer report. 

Furthermore, since this fraudulent inquiry was not initiated by me the consumer, Experian is in direct violation of 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Not only have I never given Experian any form or written or express consent to publish this information on my credit report, they DO NOT HAVE CONSENT to furnish this information on my credit report and are causing damage to my personal life in doing so. 

They are violating many aspects of the FCRA and are liable for the damages should they continue to furnish this inaccurate and harmful information. 
At this point, according to the FCRA, these damages are totaling several XXXX dollars and I will pursue this remedy through the courts should Experian refuse to comply with the law and remove this inquiry. 
I have already disputed with them directly over this matter as well. I have already informed them on record through the CFPB that this information is fraudulent/inaccurate and that they do not have consent, yet they continue to furnish it in violation of 15 U.S.C.1681b ( a ) ( 2 ). 

Should Experian decide to conduct an " Investigative Consumer Report '' into the matter, I will require a detailed explanation of the methods and process used to obtain information through personal interviews with neighbors, friends, or associates of the me the consumer reported on, or with others with whom I am acquainted or who may have knowledge concerning any such items of information. Since This " Hard Inquiry '' was not initiated by me the consumer, such an investigation is impossible to conduct in accordance with the law. There is no person in existence that has accurate information regarding this transaction, including " XXXX '', because this transaction never occurred. 
Regardless of what " XXXX '' claims to verify as accurate, this information is inaccurate because I DID NOT INITIATE THE TRANSACTION. 

Given these assertions, what incentive does Experian have to continue reporting this false information on my consumer report? I will not stop asserting my rights until this matter is resolved. I will bring this matter to the Attorney General and ultimately to the court clerk should Experian refuse to comply. It would cost them a lot less time and energy to simply comply immediately. 

I expect this information to be removed from my credit file immediately. Thank you for your cooperation.

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