Consumer complaint received 2024-09-12 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: MI

Complaint narrative:
The FCRA obligates Experian to report accurate accounting. I, the consumer, advised that ALL of the inquiries reported were fraud and that the company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of the consumer. The consumer is now requesting, for the second time, Experian to provide the documentation used to determine that the consumer indeed authorized the inquiry. Experian has 15 days to provide, in a written statement mailed to the address above, the name of the person spoken to, documentation used, and the signed application with the consumers wet ink signature. The consumer is NOT asking for an e-oscar report. If Experian, does not have documentation to show these were in fact authorized, all of the inquiries must be removed ASAP. Said company is liable under the SEC to follow certain rules.

Fair Credit Reporting Act ( FCRA ) : - Under 15 U.S.C. 1681b ( c ) ( 1 ), a consumer reporting agency can only furnish a consumer report for certain " permissible purposes. '' Unauthorized credit inquiries do not fall under these permissible purposes.

- Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), consumers have the right to dispute inaccurate or incomplete information on their credit reports. The credit reporting agencies must investigate these disputes unless they are deemed frivolous. 

Code of Federal Regulations ( CFR ) : - 12 C.F.R. 1022.42 - Outlines procedures for consumers to dispute the accuracy or completeness of any item of information contained in their credit file. 
- 12 C.F.R. 1022.43 - Provides guidelines on the responsibilities of credit reporting agencies and furnishers during the dispute process. 

I submitted complaint with CFPB XX/XX/XXXX. Was notified subsequently that XXXX had come to the determination to delete some, but not all inquiries. 110 were removed. These are the remaining 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 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 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 The unauthorized inquiries have lowered my credit scores and potentially affected my ability to obtain credit . Despite my efforts to resolve this issue directly with the involved parties, the inquiries remain on my reports.

I request the immediate removal of all unauthorized inquiries from my credit reports. Additionally, I seek an investigation into how these unauthorized inquiries occurred and appropriate action taken against the entities responsible. I also request any and all documentation pertaining to this investigation and resolution to be provided to me.

As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I am entitled to fair and accurate reporting of my credit information. Under 15 U.S.C. 1681n, I am seeking statutory damages of {$1000.00} for each willful violation of the FCRA regarding these erroneous transactions. Additionally, under 15 U.S.C. 1681o, I reserve the right to pursue actual damages for negligent noncompliance. Further, 15 U.S.C. 1681s-2 requires furnishers to report accurate information, which they have failed to do in this case.

These violations have not only affected my financial standing but have also caused severe emotional distress. In light of these violations and the impact they have had on my well-being, I am requesting compensation for both financial and emotional damages. I trust that you will promptly resolve this matter in compliance with the legal standards set forth by the FCRA.

Please correct these inaccuracies immediately and inform me of the actions you have taken to rectify these issues. If this matter is not addressed promptly, I will be left with no choice but to escalate this claim further, including legal action if necessary.

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