Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is in response to my original complaint filed on XXXX ( XXXX ) that I have received no satisfactory response. Pursuant to the Fair Credit Reporting Act, specifically 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency is required to complete a reinvestigation of disputed information within 30 days of receiving notice of the dispute. Here is the original complaint : I am filing this formal complaint regarding a recent data breach that exposed my personal information, resulting in inaccurate and/or unauthorized accounts appearing on my credit reports. This is a direct violation of 15 USC 1681e ( b ), 15 USC 1681i, and 15 USC 1681s-2, which mandate that consumer reporting agencies maintain maximum possible accuracy and that furnishers of information report only verified and legitimate debts. Despite my repeated attempts to dispute these unauthorized credit inquiries with the credit bureaus, they continues to remain on my report unlawfully. I am disputing unauthorized hard inquiries on my credit report that were made without my express written consent or a legally permissible purpose under 15 USC 1681b. Federal law strictly limits who can access a consumers credit file, and only under the following conditions : 1. A firm offer of credit or insurance initiated by the consumer 2. A transaction initiated by the consumer ( e.g., applying for a loan or credit card ) 3. Employment-related background checks with written permission XXXX. A court order or subpoena If any hard inquiries on my report do not fall into these categories, they were illegally obtained and must be deleted. In XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court ruled that accessing a credit report without a firm offer of credit violates XXXX XXXX XXXX ( c ). Additionally, Pintos v. XXXX Creditors Ass'n, XXXX XXXX XXXX ( XXXX Cir. XXXX ) confirmed that a debt collector can not pull a consumers credit report unless the consumer initiated the transactionmeaning that debt XXXX pulling my report without my consent are in direct violation of XXXX ( f ). Since I have not applied for new credit, loans, or services from the companies that made these inquiries, these pulls were made without my consent or a legally permissible purpose. I demand the immediate deletion of all unauthorized hard inquiries under XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( a ). Failure to remove them constitutes willful noncompliance, exposing the credit bureaus to liability under XXXX XXXX XXXX ( statutory and punitive damages ) and XXXX ( actual damages ). Failure to Conduct a Reasonable Investigation Under XXXX XXXX XXXX Under XXXX XXXX XXXX, I have a legal right to dispute any inaccurate, incomplete, or unverifiable information, and the XXXX must conduct a meaningful reinvestigation within 30 days. In Dennis v. BEH-1, LLC, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court ruled that failing to remove unverified accounts after a dispute violates the FCRA and subjects the CRA to liability for damages. Since I have already disputed these hard inquiries without receiving any valid proof, Experian, XXXX, and XXXX have failed their statutory duty to reinvestigate properly. Their continued reporting of these disputed items constitutes reckless disregard for federal law, and I demand their immediate removal.

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