Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are multiple unauthorized credit inquiries on my credit report that I did not authorize. These inquiries are negatively impacting my credit score and overall creditworthiness, causing financial damages. Upon discovering the unauthorized inquiries, I took the following actions. 
1. contacted XXXX and Experian by phone to dispute and request removal of the inquiries. 
2. mailed letters to both reporting agencies, providing detailed information about the unauthorized inquiries. 
3. sent dispute letters directly to the companies responsible for the listed inquires, requesting proof of authorization or immediate removal- in which I was told either no record or dispute with credit bureau XXXX 

Despite these efforts, the inquiries remain unresolved, and I have not received satisfactory responses from either the credit reporting agencies or the companies involved. This has left me with ongoing harm to my credit profile. Their willingness to allow companies to place unauthorized inquiries undermines trust in their systems and unfairly burdens on consumers like myself. 
I believe credit bureaus lack of diligence in verifying and removing unauthorized inquiries facilitates these violations and exposes consumers to unnecessary financial harm. I respectfully request the CFPB 's assistance in addressing this matter to ensure the unauthorized inquiries are removed and my creditworthiness is restored. 

Here is a list of the unauthorized credit inquiries on my XXXX report : Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXXXXXX XXXX Date of XXXX : XX/XX/XXXX Company Name : XXXX XXXX Date of XXXX XXXX XX/XX/XXXX Company Name : XXXX XXXX Date of XXXX : XX/XX/XXXX Company Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX Date of XXXX XXXX XX/XX/XXXX Company Name : XXXX  Date of Inquiry : XX/XX/XXXX Company Name XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Name : XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX  Date of XXXX Company Name : XXXX  Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXXate of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Name : XXXX Date of Inquiry : XX/XX/XXXX XXXX Name : XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Name : XXXX  TV Date of Inquiry : XX/XX/XXXX Company XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX Date of Inquiry : XX/XX/XXXX AND XX/XX/XXXX Company Name : XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX Here is the list of the unauthorized inquiries on my Experian report : Company Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX XXXX of Inquiry : XX/XX/XXXX Company Name XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Company Name : XXXX XXXX NA Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX XXXX  Date of XXXX : XX/XX/XXXX Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX XXXX Date XXXX Inquiry : XX/XX/XXXX Company Name : XXXX XXXX Date of XXXX XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/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