Consumer complaint received 2024-04-12 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Inquiries on Credit Report - Violation of Fair Credit Reporting Act To Whom It May Concern, I am writing to formally dispute certain inquiries on my consumer credit report, which I obtained on [ date of report ], that inaccurately reflect my credit history. This dispute is made under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681g, 1681e, 1681b, and 1681s-2, to ensure compliance with federal law and to rectify the inaccuracies promptly. 

Upon reviewing my credit report, I identified inquiries that do not correspond to authorized actions on my behalf, violating the permissible purposes outlined in 15 U.S. Code 1681b. As a consumer, I have the right to expect that information reported on my credit file is accurate and pertains only to legitimate inquiries made with my consent. 

Under 15 U.S. Code 1681g, I exercised my right to request and obtain a copy of my credit report to review its contents for accuracy. Upon discovering these inaccuracies, I immediately took action to dispute them in accordance with the FCRA. 

Furthermore, 15 U.S. Code 1681e mandates that credit reporting agencies follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The inclusion of unauthorized inquiries on my credit report demonstrates a failure to adhere to these procedures and compromises the integrity of the information provided to potential creditors and lenders. 

Additionally, 15 U.S. Code 1681s-2 places obligations on furnishers of information to credit reporting agencies, requiring them to provide accurate information and investigate consumer disputes. The inclusion of unauthorized inquiries not only violates my rights as a consumer but also raises concerns about the accuracy and reliability of information provided by data furnishers. 

I request a thorough investigation into these inaccuracies and the prompt removal of any unauthorized inquiries from my credit report, as mandated by 15 U.S. Code 1681i. Furthermore, I request that you provide me with a written explanation of the results of the investigation and a corrected copy of my credit report, free of charge, in accordance with 15 U.S. Code 1681s-2. 

Institution information : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Institution Information : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Institution Information : XXXX XXXX XXXX XXXX XXXX  ) Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX XXXX ) XXXX Institution Information : XXXX XXXX XXXX XXXX Date of inquiry : XXXX/XXXX/XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Phone number ( XXXX ) XXXX Institution Information : XXXXXXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Institution Information : XXXX XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone number XXXX XXXX ) XXXX Institution Information : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone number ( XXXX ) XXXX Institution Information : XXXX XXXX  Date of inquiry : XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX Institution information : XXXX XXXX XXXXXXXX XXXX Date of inquiry XXXX XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX Institution information : XXXX XXXX USA Date of inquiry XXXX XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number XXXX XXXX ) XXXX Institution Information : XXXX XXXX Date of inquiry : XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX Please acknowledge receipt of this dispute letter and provide updates on the progress of the investigation within the statutory timeframe. Your compliance with the FCRA is essential in ensuring the fair and accurate reporting of consumer credit information. 
Thank you for your attention to this matter.

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