Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
ExperianP.O. XXXX XXXX, TX XXXX Subject : Second Notice Unauthorized Security Alert Added Without Consent & Failure to Verify Hard Inquiries ( FCRA 604, 607 ( b ), 609, 611 ) To Whom It XXXX Concern : This letter serves as my second notice regarding Experians failure to comply with the Fair Credit Reporting Act ( FCRA ) in connection with : XXXX An unauthorized security alert placed on my credit file without my request, consent, or authorization, and XXXX Experians continued reporting of unverified hard inquiries, without providing documentation or verification of permissible purpose. 

XXXX. Unauthorized Security Alert Added Without My Consent ( FCRA XXXX ( b ) ) Experian has added the following security alert to my file without my knowledge or authorization : ID XXXX XXXX : FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY XXXX HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 
I did not request this alert.I did not file a fraud report.I did not authorize or consent to this information being added. 
This is a violation of FCRA 607 ( b ), which requires Experian to follow reasonable procedures to assure maximum possible accuracy. An alert I did not request is not accurate and must be removed. 
I hereby demand : XXXX XXXX removal of this unauthorized security alert XXXX XXXX confirmation of its removal XXXX XXXX that no security alerts, fraud alerts, or personal statements will be added unless I specifically request them XXXX. Failure to Verify Permissible Purpose for Hard Inquiries ( FCRA 604, 609 & 611 ) The following inquiries remain on my credit file even though Experian has failed to verify their legitimacy : XXXX DISCOVERC XX/XX/year> XXXX CAPITAL XXXX XX/XX/year> XXXX XXXX CARD XX/XX/year> A. Violation of FCRA XXXX ( a ) No Proof of Permissible Purpose Experian has failed to provide any documentation showing : My written authorization My electronic consent Any existing credit relationship Any verified permissible purpose A generic statement that there XXXX be potential fraud does not satisfy 604 ( a ).

B. Violation of FCRA 609 ( a ) ( 1 ) Failure to Provide All Information in My File Experian did not provide : Documentation from the companies Sources of the inquiries Any proof of authorization XXXX Violation of FCRA 611 ( a ) Failure to Remove Unverified Information Under 611 ( a ) ( 5 ) ( A ), Experian must delete any item it can not verify with documentation.Experian has not verified anything and continues reporting unverified inquiries. 
I hereby demand that Experian : 1 Provide documented proof of my authorization for each inquiry 2 Verify permissible purpose for each entity listed above 3 Delete all unverified inquiries immediately 4 Provide written confirmation of the actions taken This is not a fraud alert request, identity theft report, or security freeze request.I am disputing Experians failure to verify, and Experians reporting of unverified and unauthorized information. 

Thank you for your prompt attention to this matter. Please send written confirmation of all corrections made.

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