Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dispute of Unauthorized Credit Inquiries and Request for Immediate Investigation Dear Sir/Madam, I am writing to formally dispute multiple unauthorized credit inquiries that appear on my credit report. These inquiries were made without my consent or knowledge, and I believe they are the result of fraudulent activity or identity theft. 

The following is a list of the unauthorized credit inquiries I have identified : 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 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 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 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 XXXXXX/XX/XXXX I did not authorize any of these inquiries, and I have not applied for credit or financial services with the entities listed above. As such, I believe these inquiries were made without my consent and may be linked to identity theft or fraud.

Under the **Fair Credit Reporting Act ( FCRA ) ** ( 15 U.S.C. 1681 ), I have the right to dispute inaccurate or unauthorized information on my credit report, and I request that you investigate these inquiries. Please ensure that all fraudulent inquiries are removed from my credit report in accordance with the FCRA, and provide me with an updated copy of my credit report reflecting these corrections.

Specifically, I request that : 1. You conduct a full investigation of these disputed inquiries.

2. All fraudulent inquiries be removed from my credit report.

3. I receive written confirmation of the actions taken and the outcome of your investigation.

4. A free copy of my updated credit report be sent to me once the inaccuracies are corrected.

5. A fraud alert be placed on my file to prevent any further unauthorized activity.

As stipulated in the Fair and Accurate Credit Transactions Act ( FACTA ), I am entitled to a fraud alert to protect my identity. Should this matter not be resolved promptly, I will have no choice but to escalate it to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue any legal actions available to me.

Thank you for your prompt attention to this matter. I look forward to your response within the XXXX period required by law. 

Sincerely, 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