Consumer complaint received 2025-10-13 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: CA

Complaint narrative:
I am submitting this statement to formally report that I have been a victim of identity theft. My personal information has been used fraudulently to obtain credit and initiate unauthorized credit inquiries. I did not authorize, apply for, or consent to the inquiries or accounts currently reflected on my credit report. These items have appeared without my knowledge, and I am exercising my full rights under the Fair Credit Reporting Act ( FCRA ) to dispute and demand their immediate removal.

I am requesting that each of the credit reporting agencies conduct a full investigation and immediately block and delete all fraudulent inquiries and any associated accounts under the provisions of FCRA 605B ( 15 U.S.C. 1681c-2 ) and FCRA 611 ( 15 U.S.C. 1681i ).

Details of the Disputed Items Below is a detailed list of the unauthorized hard inquiries that appeared on my Experian credit report. These inquiries are not associated with any legitimate applications made by me. I have never provided authorization for any dealership, auto finance company, or lender listed below to access my credit file. These appear to have been made by individuals or entities using my stolen personal information : 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 

These inquiries remain on record until XXXX and XXXX despite being entirely fraudulent. I have no existing or pending relationship with any of these companies and did not apply for credit through them. 



Summary of Events and Discovery I first discovered these unauthorized credit pulls while reviewing my credit file through Experian. Upon closer inspection, I identified numerous inquiries connected to automotive finance companies and banks that I have never contacted or conducted business with. The pattern of repeated inquiries from auto lenders suggests that my personal information was used to attempt to secure vehicle loans or lines of credit without my authorization. 

As soon as I became aware of these entries, I took steps to secure my identity by filing a police report and completing an FTC Identity Theft Affidavit. I have also notified my bank, placed a fraud alert on all three credit bureaus, and changed passwords and personal security details associated with my financial accounts. I am now taking the next step by demanding removal of all fraudulent inquiries and blocking of any associated accounts from my credit reports.

Formal Request for Investigation and Verification Under FCRA 611 ( 15 U.S.C. 1681i ), I am invoking my legal right to request debt verification and validation for any disputed item. If any of the companies listed above claim that I authorized these inquiries, they must provide concrete proof of my consent such as a signed credit application, contract, or digital authorization record bearing my genuine signature and IP verification. 

If they can not produce such documentation, these inquiries and any related accounts must be permanently deleted from my credit file without delay. Merely verifying that the inquiry came from a lenders system is not sufficient proof of authorization under the FCRA.

Under FCRA 605B, I am also demanding that the credit reporting agencies immediately block all information related to the fraudulent inquiries within four business days of receiving this statement and supporting documents.

Compensation and Liability for False Verification As stated under FCRA 616 ( 15 U.S.C. 1681n ), any party that willfully or negligently fails to comply with the FCRA may be subject to statutory damages of up to {$1000.00} per violation, in addition to punitive damages and attorney fees.

If any of these disputed inquiries are falsely verified as legitimate despite my identity theft claim and without proper documentation, I reserve the right to pursue civil action for damages under the applicable provisions of federal and state law.

Supporting Documentation Enclosed with this statement are copies of supporting documents to validate my identity and confirm this dispute as legitimate : A copy of my government-issued photo ID ( drivers license or passport ).

A copy of my proof of current address ( utility bill or bank statement ).

A copy of my police report or FTC Identity Theft Affidavit confirming that I have reported this incident.

Screenshots or reports from Experian showing the fraudulent inquiries and dates.

All submitted documentation should be reviewed in conjunction with this statement to verify that the listed items are the result of identity theft and not my authorized actions.

Requested Actions I am requesting the following specific actions be taken promptly : 1. Immediate blocking and removal of all fraudulent hard inquiries listed above.

2. Verification and documentation for any account or inquiry alleged to be mine.

3. Written confirmation from the credit bureaus once all fraudulent items have been deleted.

4. Notification to furnishers ( such as XXXX XXXX, XXXX XXXX, XXXX XXXX, etc. ) to cease reporting unverifiable or fraudulent data. 
XXXX. An updated credit report reflecting these corrections and the removal of all fraudulent inquiries. 

I expect a written response confirming that my dispute has been processed and completed in accordance with the FCRA. Failure to comply within the legally required time frame may result in further legal escalation.

Closing Statement Identity theft is a serious violation of privacy and federal law. I have taken every appropriate step to report this incident, protect my information, and cooperate with authorities. I now expect Experian, XXXX, TransUnion, and the CFPB to fulfill their legal obligations by ensuring my credit file is corrected, protected, and restored to accurate standing without delay. 

Thank you for your prompt attention and cooperation in this matter.

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