Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
This letter is a final escalation and a formal record of your continued failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I refer to my previous letter, dated XXXX XXXX XXXX, wherein I identified a list of unauthorized or unverified inquiries that you have allowed to remain on my credit report, despite my documented dispute and request for a proper investigation. You have not provided any documented results of an investigation, nor have you removed the inquiries in question. This is a direct and willful violation of FCRA 611 ( a ) and 604 ( a ) ( 3 ), which governs the permissible purposes for accessing a consumers credit report. Your failure to act in good faith or respond within the required time frame constitutes a breach of your legal obligations and subjects you to potential civil liability under FCRA 616 and 617. Summary of Your Violations : Failure to investigate disputed inquiries within the 30-day time frame mandated by FCRA ; Failure to provide documentation showing that these entities had a permissible purpose to access my credit file ; Continuing to publish unverified and potentially unauthorized inquiries, thereby damaging my creditworthiness. Renewed Demand : You are hereby given one final opportunity to correct the following before I proceed with legal action : Provide written documentation verifying the permissible purpose under FCRA 604 ( a ) for each inquiry listed in my prior letter ; Provide contact information and identity validation of each party that accessed my credit report ; Remove all unverifiabl e inquiries from my credit file immediately ; Send me a detailed reinvestigation report within 15 calendar days from the date of this letter. If you are unable to provide documentation that confirms a legitimate business relationship or a permissible purpose for any of the listed inquiries, the law is clear : you must delete them. Legal Action Pending : If I do not receive a full and compliant response by [ insert deadline 15 calendar days from todays date ], I will proceed with the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) ; Submit reports to the Federal Trade Commission ( FTC ) and my State Attorney General ; Initiate a civil lawsuit against XXXX for willful and/or negligent violations of FCRA,
including : Statutory damages of up to {$1000.00} per violation ; Actual damages including credit denial and emotional distress ; 3. Punitive damages, attorneys fees, and legal costs. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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