Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
[ Experian ] [ XXXX XXXX XXXX XXXX, Tx XXXX ] Subject : Dispute of Unauthorized Credit Inquiry Under the Fair Credit Reporting Act Dear [ Experian ], I am writing to dispute an unauthorized credit inquiry listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute and request a reinvestigation of any information on my credit report that I believe to be inaccurate or unauthorized. 
The specific inquiry I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 this inquiry, and it does not meet the permissible purpose requirements outlined in 15 U.S.C. 1681b. I am requesting that this inquiry be investigated, and if it can not be verified as legitimate, it must be promptly removed from my credit report, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Additionally, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting a written response detailing the results of your investigation. This response should include the steps taken, the findings of your investigation, and any documentation used to verify the legitimacy of this inquiry.

To assist with your investigation, I have enclosed the following documents : A copy of my government-issued ID to confirm my identity. 
A utility bill or bank statement to verify my current address.

Legal Obligations : 1. 15 U.S.C. 1681i ( a ) ( 1 ) : Credit bureaus must conduct a reasonable reinvestigation of disputes and verify the accuracy of the information in question.

2. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : If an item can not be verified, it must be promptly deleted from the credit report and not reinserted without proper certification.

3. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Credit bureaus are required to provide a detailed written response explaining the results of the investigation and any actions taken.

As mandated by the FCRA, I expect this investigation to be completed within the 30-day timeframe established by 15 U.S.C. 1681i ( a ) ( 1 ). If the inquiry is found to be unauthorized, I request its immediate removal and written confirmation of the resolution. 
Should you require further information or have questions regarding my dispute, please contact me directly at [ XXXX ]. 
Thank you for your attention to this matter. 
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