Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Immediate Inquiry Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX @ [ Your Phone Number ] XX/XX/XXXX *Subject : Request for Investigation and Immediate Removal of Unauthorized Inquiries* Dear Experian, Equifax, and TransUnion, I am writing to formally dispute unauthorized inquiries that have appeared on my credit report. Upon reviewing my credit report, I noticed multiple hard inquiries that I did not authorize. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of the following inquiries from my credit file : XXXX XXXX XX/XX/XXXX ( listed twice ) [ Experian, Equifax ] I have never owned or applied for any financial product or service with XXXX XXXXXX/XX/XXXX. This inquiry does not belong to me. 
There is no corresponding card or account linked to this inquiry on my credit report. For clarification, I do have XX/XX/XXXX, and XXXX XXXX but those are separate and distinct from this inquiry. 
US DEPARTMENT OF EDUCATION XX/XX/XXXX [ Experian ] o This inquiry is unauthorized. I was not enrolled in school during this time and did not accept any financial aid for that semester. Enclosed, you will find an unofficial transcript showing 0 attempted hours and 0 credits earned. For the period in question These inquiries may be in violation of the FCRA 1681b under the following circumstances : If I did not authorize the inquiry.

If the lender lacked a permissible purpose to access my credit report.

If I was not given proper notice of the inquiry.

FCRA 1681b ( a ) ( 3 ) : A credit bureau may only furnish a consumers report if there is a legitimate business need ( e.g., credit application, employment screening ).

FCRA 1681c ( a ) ( 5 ) : Inquiries must not remain on a credit report for more than two years.

FCRA 1681b ( f ) : Any entity pulling a consumers credit report without permissible purpose is liable for damages.

I am formally requesting the immediate removal of these unauthorized inquiries from my credit report. Additionally, I request a written response confirming the results of your investigation, along with an updated copy of my credit report reflecting these changes.

Enclosed, you will find copies of my credit report with the unauthorized inquiries highlighted, along with my government-issued ID and proof of address for verification purposes.

If these inquiries were made in error or fraudulently, I request full disclosure of how and when they were authorized, including any supporting documentation. If you can not provide such proof, I request their immediate removal.

Thank you for your prompt attention to this matter. Please contact me at your earliest convenience should you require further information. 

Sincerely, XXXX XXXX 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