Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
# Hard Inquiry Dispute Letter XXXX 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 Date : XX/XX/XXXXXXXX XXXX XXXX  To : XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Dispute of Unauthorized Hard Inquiries Demand for Deletion To Whom It May Concern, I am disputing the accuracy and legality of the following hard inquiries appearing on my credit report. These inquiries were not authorized by me and were made without a permissible purpose under the * * Fair Credit Reporting Act ( FCRA ) * * : XXXX XXXX XXXX XXXX XXXX  Disputed Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Grounds * * * F

CRA 604 ( 15 U.S.C. 1681b ) * * A consumer reporting agency may only furnish a consumer report for a permissible purpose. These inquiries lack proof of permissible purpose. * * * FCRA 611 ( 15 U.S.C. 1681i ( a ) ) * * You must conduct a reasonable reinvestigation of disputed items. If unverifiable, they must be deleted. * * * FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) * * You must ensure maximum possible accuracy. Reporting unverifiable inquiries violates this duty. * * * FCRA 611 ( a ) ( 5 ) ( A ) * * If an item can not be verified, it must be permanently deleted. * * * 15 U.S.C. 1681n & 1681o * * Willful or negligent noncompliance makes you liable for damages, attorneys fees, and costs. -- - # # # My Demand 1. * * Provide the Method of Verification * * under * * 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) * *, including signed authorization and proof of permissible purpose for each inquiry. 2. If such verification can not be produced within * * 30 days * *, these inquiries must be * * permanently deleted * *. 3. Send me written confirmation once the deletions are completed. -- - # # # Notice If you fail to comply, I will escalate this matter with the * * Consumer Financial Protection Bureau ( CFPB ) * *, the * * Federal Trade Commission ( FTC ) * *, and my * * State Attorney General * *, and I will pursue legal remedies under the FCRA. 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