Consumer complaint received 2025-03-05 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Urgent Dispute of Unauthorized Credit Inquiries and Incorrect Addresses Due to Data Breaches To Whom It May Concern, I am writing to formally dispute certain inaccuracies on my credit report related to unauthorized inquiries and incorrect addresses. Upon reviewing my credit report, I have identified the following errors : Unauthorized Inquiries My report contains multiple credit inquiries that I did not initiate or authorize. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( c ), a consumer reporting agency may only disclose information regarding credit inquiries when a permissible purpose exists. Since I did not provide consent for these inquiries, I demand their immediate removal. The following inquiries must be removed as they were not authorized : XXXX XXXX  - XXXX XXXX XXXX, XXXX, PA XXXX ( Inquired on XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, IN XXXX ( Inquired on XX/XX/XXXX ) XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, TX XXXX ( Inquired on XX/XX/XXXX ) XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ( Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( Inquired on XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, DE XXXX XXXX Inquired on XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ( Inquired XXXX XX/XX/XXXX XXXX XX/XX/XXXX ) XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ( Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXXXXXX ( Inquired on XX/XX/XXXX ) XXXX XXXX XXXX on XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Inquired on XX/XX/XXXX ) Incorrect Addresses My credit report lists addresses that have never belonged to me, and some addresses do not even exist. I have resided at XXXX XXXX XXXX, XXXX, VA XXXX, since XX/XX/XXXX. Under FCRA 15 U.S.C. 1681i, inaccurate or unverifiable information must be corrected or deleted. The following addresses should be removed immediately as they are incorrect and have never been associated with me : XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Va XXXX XXXX XXXX, XXXX XXXX credit bureaus, including Equifax, XXXX, and XXXX XXXX have suffered data breaches and legal actions due to negligence in protecting consumer data. These breaches have allowed unauthorized parties to manipulate consumer credit reports by submitting fraudulent addresses and inquiries. Under 15 U.S.C. 1681c-2, credit bureaus are required to block fraudulent information resulting from identity theft or compromised data sources within four business days of receiving a valid dispute. 

Per FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to investigate and correct or remove any inaccurate information within 30 days of receiving this request. Given the history of security breaches affecting consumer credit files, I request an expedited removal of the disputed items within four business days as mandated under 15 U.S.C. 1681c-2. 

Enclosed, I have attached a copy of my government-issued ID and proof of my current address for verification purposes. Please provide written confirmation of the removal of these inaccuracies. I expect a response within the legally required timeframe. 
Failure to comply may result in further legal action. 
Thank you for your prompt attention to this matter. Please confirm receipt of this letter and update me on the resolution process at your earliest convenience. 

Sincerely, XXXX XXXX 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