Consumer complaint received 2025-11-11 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: GA

Complaint narrative:
Complainant : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX Date of Birth : XXXX XXXX ( Last XXXX ) : XXXX Credit Report Date : XX/XX/XXXX Submission Date : XX/XX/XXXX Statement : I am submitting this complaint because multiple unauthorized hard inquiries have been placed on my credit report without my consent. These inquiries negatively affect my credit score and were not the result of any application for credit or service that I initiated. Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ), a consumer reporting agency may only provide a credit report if there is a permissible purpose, and such inquiries must be authorized by the consumer. 

I have not authorized these inquiries and demand they be removed as they are a violation of my rights under FCRA. I attempted to resolve this directly with the credit bureaus but have not received a response. Therefore, I am requesting the CFPB 's assistance to ensure compliance and prompt resolution. 

List of Disputed Inquiries : - XXXX XXXX  on XX/XX/XXXX | Bureau : Experian - XXXX on XX/XX/XXXX | Bureau : Equifax XXXX XXXX XXXX on XX/XX/XXXX | Bureau : Equifax - XXXX XXXX on XX/XX/XXXX | Bureau : TransUnion - XXXX XXXX XXXX on XX/XX/XXXX | Bureau : TransUnion - XXXX XXXX on XX/XX/XXXX | Bureau : TransUnion XXXX XXXX XXXX XXXX on XX/XX/XXXX | Bureau : Experian - XXXX XXXX XXXX on XX/XX/XXXX | Bureau : Experian - XXXXXXXX XXXX on XX/XX/XXXX | Bureau : Experian - XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX | Bureau : Experian - XXXX XXXX on XX/XX/XXXX | Bureau : Experian - XXXX XXXX XXXX XXXX XX/XX/XXXX | XXXX : Experian - XXXX XXXX XXXX on XX/XX/XXXX | Bureau : Experian - AN # XXXX on XX/XX/XXXX | Bureau : Equifax - XXXX on XX/XX/XXXX | XXXX : Equifax - XXXX on XX/XX/XXXX | XXXX : Equifax - XXXX on XX/XX/XXXX | XXXX : Equifax - XXXX on XX/XX/XXXX | XXXX : Equifax - XXXX on XX/XX/XXXX | XXXX : Equifax - XXXX on XX/XX/XXXX | XXXX : Equifax - XXXX XXXX XXXX  on XX/XX/XXXX | Bureau : Experian - XXXX on XX/XX/XXXX | Bureau : Equifax - XXXX on XX/XX/XXXX | XXXX : Equifax - XXXX on XX/XX/XXXX | XXXX : Equifax Requested Relief : - Immediate deletion of all unauthorized inquiries from my credit reports with Experian, Equifax, and TransUnion . 
- Investigation into how these inquiries were initiated without permissible purpose. 
- Written verification of the outcome, and assurance that my consumer rights under FCRA are protected moving forward.

Attachments : - Copy of my government-issued ID - Proof of current address ( utility bill or bank statement ) - Copy of my credit report showing the disputed inquiries - Prior dispute letters sent to credit bureaus ( if available ) I respectfully request this complaint be reviewed and resolved promptly. Thank you for your assistance.

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