Consumer complaint received 2025-05-27 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Unauthorized Hard Inquiries Identity Theft Victim under FCRA To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. I am a victim of identity theft, and these inquiries were not initiated, authorized, or consented to by me. 

Unauthorized Inquiries to Be Removed : XXXX. TransUnion : XXXX XXXXXXXX XX/XX/XXXX XXXX. Equifax : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX. Experian : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX These inquiries were made without my knowledge or consent and are unrelated to any credit application I have submitted. Therefore, they are a violation of Section 604 of the FCRA ( 15 U.S. Code 1681b ), which limits access to consumer reports to entities that have a permissible purpose and consumer consent.

Legal Grounds for My Request : FCRA 604 ( a ) ( 3 ) ( 15 U.S.C. 1681b ) : A consumer reporting agency may furnish a consumer report only for specific permissible purposes and only with the consumer 's consent when applicable.

FCRA 611 ( 15 U.S.C. 1681i ) : Grants the consumer the right to dispute any item on their credit report that is inaccurate or incomplete.

FCRA 623 ( 15 U.S.C. 1681s-2 ) : Prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. 

Case Law : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Reinforces the consumers right to dispute inaccurate information. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Affirms that consumer reporting agencies must delete disputed information that is not verified. 

Attached Documents : Copy of government-issued passport photo Proof of address ( utility bill & Lease ) Copy of my credit report with the unauthorized inquiries highlighted Identity Theft Report from XXXX Requested Action : I am formally requesting : Immediate investigation into the listed hard inquiries. 
Removal of the unauthorized inquiries from my credit file. 
A written confirmation of the outcome of your investigation. 

Please be advised that under FCRA XXXX, you have 30 days to complete your investigation and respond in writing. Failure to comply may result in legal action or a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX 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