Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing several unauthorized hard inquiries that appear on my credit report. I did not apply for credit, nor did I provide written or verbal authorization to any of the companies listed below. These inquiries are inaccurate, harmful to my credit score, and violate the Fair Credit Reporting Act ( FCRA ). 

XXXX. XXXX Inquiry Date : XX/XX/year> I have no knowledge of this inquiry and did not provide consent to XXXX. 
Accessing my credit report without a permissible purpose violates FCRA 604 ( a ).

If written authorization can not be verified, this inquiry must be deleted under FCRA 611 ( a ).

2. XXXX XXXXEN XXXX XXXX XXXX Inquiry Date : XX/XX/year> I did not apply for credit with this company and did not authorize this inquiry. 
Reporting an unverifiable inquiry violates FCRA 607 ( b ). 
Please delete this inquiry if proper authorization can not be produced. 

XXXX. XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/year> This inquiry is unknown to me and was not authorized. 
Under FCRA 604 ( a ) ( 3 ), a credit report may only be accessed for a valid permissible purpose.

Failure to verify such purpose requires deletion under FCRA 611 ( a ) ( 5 ). 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> I have no knowledge of this inquiry and no business relationship with this entity.

Experian must ensure maximum possible accuracy under FCRA 607 ( b ). 
If authorization can not be validated, this inquiry must be removed. 

XXXX. XXXX XXXXXXXX XXXX XXXX  Inquiry Date : XX/XX/year> I did not authorize XXXX XXXX XXXX XXXX to access my credit report. 
Reporting an unauthorized inquiry constitutes inaccurate reporting under FCRA 602 ( a ).

Please investigate and delete if unverified.

6. XXXX XXXX XXXX Inquiry Date : XX/XX/year> This inquiry was made without my consent. 
Unauthorized access violates FCRA 604 ( a ) and requires deletion after investigation under FCRA 611 ( a ) ( 1 ).

7. XXXX XXXX XXXX  Inquiry Date : XX/XX/year> I dispute this inquiry as unauthorized and inaccurate. 
Experian is prohibited from reporting information that can not be reasonably verified under FCRA 607 ( b ). 

XXXX. XXXX / XXXX XXXX Inquiry Date : XX/XX/year> I did not initiate any credit transaction with this company. 
Absent proof of permissible purpose, this inquiry must be deleted pursuant to FCRA 611 ( a ). 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/year> I have no knowledge of this inquiry and did not consent to it. 
Reporting an inquiry without authorization violates FCRA 604 ( a ) and 607 ( b ).

Please delete this inquiry if it can not be properly verified. 

I request that CFPB require a full investigation into each inquiry and that all inquiries lacking documented consumer authorization be immediately and permanently deleted from my credit report. I also request written confirmation of the investigation results.

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