Consumer complaint received 2024-04-13 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:
Subject : Complaint Against Experian for Violations of FCRA and Failure to Update Credit Report I am writing to file a formal complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ) and their failure to update my credit report accurately. Despite my efforts to address the issue with Experian directly, they have neglected to respond and correct the errors on my credit report. On XX/XX/2024 I submitted a dispute letter to Experian requesting the removal of inquiries on my credit report made by XXXX. These inquiries were erroneous and have caused significant financial hardship for me by limiting my access to lending opportunities. Experian has failed to honor my rights under the FCRA and neglected to respond to my initial dispute letter, despite providing all necessary documentation. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and ensure that Experian complies with the laws outlined in the FCRA. It is crucial that Experian updates my credit report to accurately reflect the removal of the unauthorized XXXX inquiries. XXXX informed me that their client illegally utilized my social security number, resulting in these unauthorized inquiries. 

Furthermore, I have noticed discrepancies in the account balances reported by Experian, which do not reflect the accurate balances. I request that Experian updates my account information accordingly to provide an accurate representation of my financial standing. This is my second complaint against Experian, as they previously failed to respond to my request to remove an account that was illegally claiming a debt. XXXX formally admitted that their client had improperly used my social security number, yet no action has been taken to rectify this issue. Therefore, I am requesting that Experian conduct a thorough investigation into these unauthorized inquiries and promptly remove them from my credit report. These false inquiries are damaging to my credit history and could have further implications on my financial well-being. I am hopeful to avoid legal action in this case with Experian and trust that they will rectify these issues promptly. 
Attached to this letter are the prior correspondents submitted by XXXX, indicating their request to Experian to remove the inquiries. Despite this, the inquiries remain on my credit report after 30 days. I urge the CFPB to intervene in this matter and ensure that Experian takes the necessary steps to update my credit report accurately and in accordance with the FCRA. This situation is deeply concerning as it not only violates my rights to privacy but also constitutes fraudulent activity. I have never provided my social security number to XXXX or their client, and I have no business or financial relationship with them. If Experian 's negligence continues, I will have no choice but to pursue legal actions to seek damages available under the law.

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 non-monetary relief