Consumer complaint received 2025-05-25 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX : XX/XX/XXXX SSN : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX RE : Final Demand FCRA Non-Compliance and Failure to Respond Within Statutory Deadline Dispute of Unauthorized Hard Inquiries Original Dispute Dates : TransUnion ( Received XX/XX/XXXX ), Experian ( Received XX/XX/XXXX ) To Whom It May Concern, I am writing to issue a final demand regarding your failure to respond to my written dispute submitted in XX/XX/XXXX, regarding multiple unauthorized hard inquiries appearing on my credit file. This formal demand is being made due to your agency 's noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically your failure to reinvestigate and respond within the legally mandated 30-day timeframe. 

Despite submitting a complete and properly documented dispute including my identity documents, FTC Identity Theft Report, and a highlighted copy of my credit report TransUnion and Experian have failed to send any results of investigation, verification, or removal of the disputed inquiries as of today, XX/XX/XXXX. This constitutes a direct violation of federal consumer protection law. 
Applicable Federal Law & Violations FCRA 611 ( a ) ( 1 ) ( A ) ( 15 U.S. Code 1681i ) If the completeness or accuracy of any item of information... is disputed by the consumer ... the agency shall, free of charge, conduct a reasonable reinvestigation... and record the current status of the disputed information, or delete the item, within 30 days of the dispute being received. 
FCRA 604 ( 15 U.S. Code 1681b ) A consumer reporting agency may only furnish a credit report to a third party with a permissible purpose, such as an application for credit, insurance, or employment initiated by the consumer. 
FCRA 611 ( a ) ( 7 ) Upon request, the consumer is entitled to receive a description of the procedure used to determine the accuracy and completeness of the disputed information, including the name, address, and telephone number of any furnisher of information contacted during the reinvestigation. 

Case Law Precedents XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : The court found that a credit reporting agency must do more than rely on the original source of disputed information and must perform a reasonable and independent reinvestigation. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX. XXXX ) : Delayed or insufficient responses after a complete dispute has been submitted may be considered willful noncompliance with the FCRA and may result in liability for actual and statutory damages. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Hard inquiries without permissible purpose violate FCRA and can result in legal action and compensation to the consumer. 

Summary of Violations Your agency failed to respond within 30 days, as mandated by FCRA XXXX. 
You did not provide the method of verification ( MOV ) or any documentation proving a permissible purpose existed for these inquiries. 
No evidence or signed authorization forms were presented, which is required to justify such access to my credit file. 

Inquiries Being Disputed TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX Final Demand and Immediate Action Required You are hereby formally demanded to : Delete all hard inquiries listed above that you can not verify with permissible purpose and documentation. 
Provide me with the method of verification ( MOV ) used to validate each inquiry. 
Send a written response and confirmation of the deletions and actions taken within 7 calendar days of receipt of this letter. 
Failure to comply will result in the following actions without further notice : Filing of a civil lawsuit for willful and negligent noncompliance under FCRA 616 & 617 Formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and New York Attorney General Legal pursuit of statutory damages ( {$1000.00} per violation ), actual damages, and attorneys fees and costs Enclosures Copy of government-issued photo ID Copy of FTC Identity Theft Report Highlighted credit report showing the unauthorized inquiries Original dispute letters dated XX/XX/XXXX I expect this matter to be resolved immediately. Your failure to act in accordance with the FCRA has already caused me material harm. I am fully prepared to pursue every XXXXegal avenue available should these inquiries not be removed within the required timeframe. 

Attached : Copy of my state identification ( for verification purposes ) copy of my lease ( for proof of address ) copy of my previous cfpb.gov dispute ( proof of 30 day violation ) copy of my identity theft report ( proof of unauthorized hard inquiries ) 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