Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX  XXXX : Consumer Credit Department Re : Dispute of Unauthorized Inquiry on Credit Report Date of Inquiry : XX/XX/year>XXXX  Credit Report Source : EXPERIAN I am writing to formally dispute an inquiry made by XXXX XXXX  that appears on my credit report. This inquiry, dated [ Date of Inquiry ], was not authorized by me and I have no record or knowledge of requesting any credit, loan, or financial services from your institution. 

Under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6801, 6802, 6803, 6804, and 6805, financial institutions are required to protect the privacy of their customers ' nonpublic personal information and ensure that their financial practices comply with regulations related to privacy and security. 

15 U.S.C. 6801 ( Privacy of Consumer Financial Information ) mandates that financial institutions must ensure that they do not disclose, share, or use consumer information without proper authorization, unless otherwise allowed by law. 

15 U.S.C. 6802 ( Disclosure of Nonpublic Personal Information ) states that a consumers information can only be shared or used under specific circumstances, including the need for consumer consent, which I did not provide in this case. 

15 U.S.C. 6803 ( Restrictions on Disclosure of Nonpublic Personal Information ) requires financial institutions to adhere to the limitations on sharing consumer data without their explicit consent. The inquiry from your institution appears to have been made in violation of these privacy provisions. 

15 U.S.C. 6804 ( Notice of Information Practices ) stipulates that financial institutions must provide clear and understandable notices regarding their information-sharing practices. I did not receive such a notice from your institution regarding any inquiry or action taken with my credit. 

15 U.S.C. 6805 ( Regulation of Financial Institutions ) compels institutions to adopt safeguards for the privacy and security of consumer information, ensuring that no unauthorized access, disclosure, or inquiry is made without consent. 

As I did not authorize XXXX XXXX to make this inquiry on my credit report, I request that you immediately investigate this matter and take the necessary actions to remove this inquiry from my credit file. Furthermore, I request that you provide me with written confirmation that the inquiry has been removed and that my rights under the GLBA are being respected. 

Please treat this matter with urgency. If the inquiry is not removed within [ 30 ] days of your receipt of this letter, I will be compelled to escalate this matter through the appropriate consumer protection agencies, including the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), to seek resolution. 

Thank you for your immediate attention to this matter. Please confirm receipt of this letter and provide a status update on your investigation at your earliest convenience. 

Sincerely, 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