Consumer complaint received 2025-05-07 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: NY

Complaint narrative:
To whom it may concern, If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA! 
I have recently obtained copies of my personal consumer credit report ( XXXX ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).

Your failure or refusal to remove from reporting any and all such alleged claims may be considered a violation of my consumer rights and may be subject to legal action. It is my expectation that you will promptly investigate this matter and take any necessary corrective actions to ensure that all reported information is accurate, verified, and compliant with applicable laws and regulations. 
I checked my personal credit report, which I acquired from your organization and I noticed that this unauthorized inquiry had been made : This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reporting. 
I hope this message finds you well. I am writing to bring to your attention the matter of an alleged hard inquiry appearing on my credit report under the account name XXXX XXXX  and account number XX/XX/year>. Upon reviewing the report today, I must express that I have no recollection of authorizing this inquiry. In light of this, I kindly request access to documentation pertaining to the credit application, specifically requiring proof of my signature as evidence of my purported credit application with the said company. In the absence of suchevidence, I respectfully request the prompt removal of the alleged inquiries from my credit report. 
I have attempted to contact the creditors who placed an inquiry on my credit profile and respectfully requested that they remove it, as well as cease any potential illegal activities. However, I have not received any response from them despite more than 30 business days passing since I sent the letter.

I am kindly asking for your assistance in resolving this matter. As per the Fair Credit Reporting Act, may I please request that you promptly initiate an investigation into this inquiry on my credit report in order to identify who authorized it. If, after your investigation is concluded, you determine that my claim is valid, I would be grateful if you could remove the unauthorized inquiry from my credit report and provide me with an updated copy of my credit report at the address I have provided. 
Should you find the inquiry in question to be legitimate, I would kindly ask that you furnish me with a detailed description of the procedures you used in your investigation within 15 business days of its completion.

If you remove or modify the disputed claim ( s ) to accurately reflect the facts and comply with applicable federal and state laws, it is your legal responsibility to provide me with an updated credit report that clearly displays all removed, modified, and updated information. This must be done in accordance with federal reporting mandates, as well as industry standards for utilizing the Metro 2 Format. If you fail to comply with these requirements, I will file official complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) to rectify any potential unfair, non-compliant, or even unlawful reporting practices, including any incomplete or erroneous negative reporting about me.

It is important to note that under 15 USC 1692e ( 8 ), communicating or threatening to communicate false credit information, or information that should have been known to be false, including failing to demonstrate factually compliant reporting practices when challenged, is grounds for legal action and may result in a fine of {$1000.00} for each violation. Entities furnishing data in the Metro 2 Format are responsible for ensuring their compliance with relevant laws.

In genuine sincerity, My requisite reported first and last name is exactly 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