Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ExperianXXXX  XXXX XXXX, TX XXXX Re : Dispute of Unauthorized Credit Inquiries Under FCRA, FDCPA, and Metro 2 Guidelines Account [ Your Experian Report Number, if known ] Dear Experian Dispute Resolution Team : I am writing to formally dispute several unauthorized hard inquiries appearing on my Experian credit report, as they were conducted without my permissible purpose, written or verbal consent, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically 1681b, which requires a permissible purpose for accessing a consumers credit report. These inquiries do not meet any of the permissible purposes outlined in FCRA 1681b ( a ), such as credit transactions initiated by me, employment purposes with my consent, or underwriting of insurance at my request. I did not apply for credit, services, or any other account with these entities, nor did I provide authorization for these pulls.

Furthermore, this constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., to the extent that any of these inquiries may relate to debt collection activities without validation or proper notice. The reporting of these inquiries also fails to comply with Metro 2 guidelines, as established by the XXXX XXXX XXXX XXXX ( XXXX ), which require accurate and complete reporting of credit data, including verification of permissible purpose prior to inquiry. Unauthorized inquiries must be removed to ensure compliance with Metro 2s accuracy standards for consumer reports.

Under FCRA 1681i, you are required to conduct a reasonable investigation into this dispute within 30 days of receipt, including contacting the furnishers of this information to verify the accuracy and permissibility of these inquiries. If the furnishers can not provide evidence of my consent or a valid permissible purpose, these inquiries must be deleted from my credit report immediately. Failure to do so may result in willful noncompliance under FCRA 1681n, entitling me to statutory damages, actual damages, punitive damages, and attorneys fees. 
The specific unauthorized inquiries I am disputing are as follows : XXXX XXXXXX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card XXXX XXXXXX/XX/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 Please provide me with the results of your investigation, including any communications with the furnishers, as required by FCRA 1681i ( a ) ( 6 ). Additionally, send me an updated copy of my credit report reflecting the removal of these inquiries. If you process this dispute through E-OSCAR, ensure that it is not automated or dismissed without a full manual review, as E-OSCAR must facilitate compliance with FCRAs reasonable investigation requirements. Any automated rejection without verification would violate FCRA and Metro 2 standards.

I am enclosing a copy of my drivers license and a utility bill as proof of identity to assist in processing this dispute. This letter is being sent via certified mail with return receipt requested to document receipt. 
Thank you for your prompt attention to this matter. I expect resolution within the statutory timeframe. 
Sincerely,

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