Consumer complaint received 2025-10-20 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: NC

Complaint narrative:
I am filing a complaint due to several unauthorized credit inquiries that appear on my credit report, which I am requesting to be removed. After contacting the creditors responsible, I was informed that they have no evidence that I initiated these inquiries, nor do they have any written or verbal authorization from me, nor a permissible purpose as required by the Fair Credit Reporting Act ( FCRA ). 
Specific Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  Experian Account Not Found XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Auto Financing Experian Account Not Found XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Account Not Found XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Auto Financing Experian Account Not Found XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Miscellaneous Finance Experian Account Not Found XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Experian Account Not Found XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Auto Dealers, XXXX Experian Account Not Found XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Auto Financing ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All Banks Experian Account Not Found XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Auto Financing Experian Account Not Found XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX ExperianXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  Experian Account Not Found XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX Experian Account Not Found XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Account Not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Auto Financing Experian Account Not XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealers, Used ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX Experian Account Not Found XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Auto Dealers, Used ExperianXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Bank Credit Cards Experian Account Not Found XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ExperianXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX ExperianXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  - Mortgage Loans Experian These inquiries were made without my consent, and I have requested that the involved credit bureaus ( Experian, XXXX XXXX XXXX XXXX conduct a thorough and manual investigation. However, these bureaus often rely on the EOSCAR system, which has been noted by the CFPB as insufficient in cases where verifying authorization documents requires a manual review.

I have invoked several FCRA provisions that support my request for deletion, including : 1. Section 604 ( Permissible Purposes ) : These inquiries do not meet the permissible purposes specified.

2. Section 611 ( Inaccurate or Unverifiable Information ) : I am requesting these inquiries be deleted as there is no verification or documentation supporting their inclusion in my credit report.

3. Section 609 ( Right to Access and Verification ) : The FCRA mandates that each inquiry on my report must be verifiable by an original contract or evidence of my consent, which is not present in this case.

4. Section 623 ( Responsibilities of Information Providers ) : Information providers are required to ensure the accuracy and authorization of reported information, which these inquiries do not meet.

5. Section 605A ( Identity Theft Protection ) : Should these inquiries relate to identity theft, I am requesting their deletion under this protection.

Additionally, I reference the case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), where the XXXX XXXX ruled that accessing a credit report without a legitimate purpose or the consumer 's consent constitutes a violation of the FCRA.

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