Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC, XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, Subject : Request for Removal of Unauthorized Soft Inquiries and Self Reporting Accounts Dear Experian, I need to get this stuff off my report it Is harming my credit. The laws regarding the deletion of inquiries on my credit report are primarily governed by the Fair Credit Reporting Act ( FCRA ). Here are some key points : 1. Disputing Inaccurate Information : Under the FCRA, if I find inaccurate or unverifiable information on my credit report, I have the right as the Consumer to dispute it. The credit reporting agencies ( Experian, XXXX, and XXXX ) are required to investigate your dispute.If the information can not be verified, it must be removed XXXX. 
2. Unauthorized Inquiries : If a company pulls your credit report without your consent, you can dispute these inquiries.The credit bureaus must remove any unauthorized inquiries from your report 2. 




XXXX XXXX  XXXX Inquired XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN XX/XX/XXXX XX/XX/XXXX EXPERIAN Inquired XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EXPERIAN XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EXPERIAN Inquired XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EXPERIAN Inquired XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of birth XXXX Self-reported accounts Account nameXXXX SELFREPORTED Original creditorXXXX Account nameXXXX SELFREPORTED Original creditorXXXX Account nameXXXX SELFREPORTED Original creditorXXXX  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