Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Subject : Second Dispute on Collection Account Reporting and Unauthorized Inquiries Dear Experian, I am writing to follow up on my prior dispute regarding inaccuracies and unauthorized inquiries on my credit report. This is my second written request, as my initial dispute has not been addressed to my satisfaction. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fully accurate and verified credit report, and I am now escalating my request. 

Specifically : XXXX. Hard Inquiries, Soft Inquiries, and Promotional Inquiries : My credit report includes numerous inquiries that were not authorized by me, in violation of 15 U.S.C. 1681b. These inquiries lack my consent or a legitimate permissible purpose as defined by the FCRA. Under 15 U.S.C. 1681b ( f ), consumer reporting agencies are prohibited from including inquiries that do not meet these criteria.

2. Verification of Inquiries : I demand verifiable proof that each hard inquiry, soft inquiry, and promotional inquiry on my credit report was authorized and valid. If this verification can not be provided, these inquiries must be promptly removed as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

In compliance with the FCRA, I request the following : Verification Documentation : Provide physical copies of all documents showing that these inquiries were authorized by me. This includes any agreements, applications, or written permissions associated with the hard, soft, and promotional inquiries.

Details of Verification Process : Provide the name, position, and contact information of the individual or team responsible for verifying these items and a detailed explanation of the steps taken during the verification process.

Immediate Deletion of Unverified Items : If you can not provide evidence of authorization for these inquiries, I demand their immediate deletion from my credit report.

Additionally, I remind you that my first dispute requested the same verifications and deletions, yet no satisfactory action was taken. Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation into disputed items. Repeating claims of verification without providing the actual documentation used does not fulfill this legal requirement.

Failure to resolve this matter within the required 30-day timeline will result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

Thank you for addressing this matter promptly. Please provide me with an updated and corrected credit report reflecting the requested deletions. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 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