Consumer complaint received 2025-02-23 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: CA

Complaint narrative:
I am filing this formal complaint regarding a recent data breach that exposed my personal information, resulting in inaccurate and/or unauthorized accounts appearing on my credit reports. This is a direct violation of 15 USC 1681e ( b ), 15 USC 1681i, and 15 USC 1681s-2, which mandate that consumer reporting agencies maintain maximum possible accuracy and that furnishers of information report only verified and legitimate debts.

Despite my repeated attempts to dispute these unauthorized credit inquiries with the credit bureaus, they continues to remain on my report unlawfully.

I am disputing unauthorized hard inquiries on my credit report that were made without my express written consent or a legally permissible purpose under 15 USC 1681b. Federal law strictly limits who can access a consumers credit file, and only under the following conditions : 1. A firm offer of credit or insurance initiated by the consumer 2. A transaction initiated by the consumer ( e.g., applying for a loan or credit card ) 3. Employment-related background checks with written permission 4. A court order or subpoena If any hard inquiries on my report do not fall into these categories, they were illegally obtained and must be deleted. In Cole v. U.S. Capital , Inc., 389 F.3d 719 ( 7th Cir. 2004 ), the court ruled that accessing a credit report without a firm offer of credit violates 15 USC 1681b ( c ). Additionally, Pintos v. Pacific Creditors Ass'n, 605 F.3d 665 ( 9th Cir. 2010 ) confirmed that a debt collector can not pull a consumers credit report unless the consumer initiated the transactionmeaning that debt collectors pulling my report without my consent are in direct violation of 1681b ( f ).

Since I have not applied for new credit, loans, or services from the companies that made these inquiries, these pulls were made without my consent or a legally permissible purpose. I demand the immediate deletion of all unauthorized hard inquiries under 15 USC 1681b ( f ) and 15 USC 1681i ( a ). Failure to remove them constitutes willful noncompliance, exposing the credit bureaus to liability under 15 USC 1681n ( statutory and punitive damages ) and 1681o ( actual damages ).

Failure to Conduct a Reasonable Investigation Under 15 USC 1681i Under 15 USC 1681i, I have a legal right to dispute any inaccurate, incomplete, or unverifiable information, and the CRAs must conduct a meaningful reinvestigation within 30 days. In Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ), the court ruled that failing to remove unverified accounts after a dispute violates the FCRA and subjects the CRA to liability for damages. Since I have already disputed these hard inquiries without receiving any valid proof, Experian, XXXX, and XXXX have failed their statutory duty to reinvestigate properly. Their continued reporting of these disputed items constitutes reckless disregard for federal law, and I demand their immediate removal.

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