Consumer complaint received 2025-05-11 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: IA

Complaint narrative:
I am writing to formally file a complaint regarding an unauthorized inquiry made by [ XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX on my consumer credit report. I did not provide consent for [ XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX to access my credit information, nor do I believe there was any lawful or permissible reason for this inquiry to be made under applicable law. 

Details of the Violation : Date of Unauthorized Inquiry : [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] Consumer Reporting Agency ( CRA ) : [ Experian ] By accessing my consumer credit report on the date referenced above without a permissible purpose, [ Experian ] has violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ) ( 3 ) ( f ) ( i ). 
Legal References : Case Law : XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( S.D. XXXX. XXXX ) Statutes Violated : o 15 U.S.C. 1681b ( a ) ( 3 ) ( f ) ( i ) ( FCRA violation for unauthorized inquiry ) o 18 U.S.C. 1028A ( Aggravated Identity Theft ) o 15 U.S.C. 1681n ( a ) ( False Pretenses and FCRA violations ) I have not entered into any transaction with [ Creditor Name ], nor do I have an account with [ Creditor Name ] as defined under 15 U.S.C. 1693a ( 2 ). Therefore, there was no lawful basis for this inquiry. 
Impact and Damages : Due to this unlawful action, I have experienced significant harm, including the denial of credit and the inability to obtain credit line increases. Additionally, this unauthorized access to my personal information has resulted in reputational, emotional, physical, and financial distress. 
Remedies Sought : ( OPTIONAL ) 1. Deletion of the Unauthorized Inquiry : I request that you remove the unauthorized inquiry placed on my credit report with [ CRA name ] on [ Insert date of inquiry here ].

2. Settlement of Damages : In accordance with 15 U.S.C. 1681n, I am seeking compensation for the damages I have incurred as a result of this violation. I am willing to settle this matter for {$1000.00}. Should you fail to remit payment of this amount within 30 days from the receipt of this letter, I reserve the right to pursue further legal action to recover actual damages, which may exceed the aforementioned settlement offer.

Request for Certification : Please provide a certification indicating the lawful purpose for the inquiry that was sent to the consumer reporting agencies, as required under FCRA Section 604 ( f ). 
Additional References : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 12 CFR Part 1022, Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports. 
Contact Information : Please direct any communications or payments regarding this matter to the following : [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX, Iowa, XXXX ] [ XXXX ] [ XXXX ] Sincerely,

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