Consumer complaint received 2025-07-25 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: NY

Complaint narrative:
I am writing to formally file a complaint against Experian Information Solutions , Inc. for multiple unauthorized hard inquiries placed on my consumer credit report in violation of federal consumer protection laws and other applicable statutes. Experian Information Solutions , Inc. one of the largest consumer reporting agencies in the country. Experian collects and organizes data on most adult Americans to generate consumer credit reports, which it sells to creditors and other businesses who are evaluating whether to offer consumers products, services, or opportunities such as credit lines, loans, jobs, and housing. To promote the accuracy and fairness of information in consumer credit reports, the federal Fair Credit Reporting Act ( FCRA ) gives consumers the right to dispute incomplete or inaccurate information in their credit file and requires consumer reporting agencies like Experian to forward such disputes to the company that originally provided the information ( called the furnisher ) for investigation. FCRA also requires consumer reporting agencies to reinvestigate such disputes and remove or correct any inaccurate, incomplete, or unverifiable information. FTC fraud report was filed on behalf of consumer, consumer is now requesting EXPERIAN to provide the documentation used to determine inquiry was indeed authorized by the consumer, EXPERIAN has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. If EXPERIAN does not have documentation to show these were in fact authorized it must be removed ASAP. SAID company is liable under the SEC to follow certain rules.

The following companies have initiated hard inquiries on my Experian credit file on the respective dates below : 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 XXXXXX/XX/year> I did not authorize any of these hard inquiries, nor did I apply for credit with any of these companies around the indicated dates. Therefore, these entries violate my consumer rights under : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b Hard inquiries must be authorized by the consumer and require a permissible purpose.

Uniform Commercial Code ( UCC ), Article 9 Addresses rights regarding security interests and the improper use of personal credit information.

Uniform Consumer Credit Code ( UCCC ) Establishes requirements for transparency, consent, and fair dealings in credit transactions.

Code of Federal Regulations, 12 CFR Part 1022 Implements FCRA, particularly addressing consumer reporting agency responsibilities.

Public Law 91-508 ( Title VI of the Consumer Credit Protection Act ) Reinforces protections on consumer credit data.

Experians failure to validate the legitimacy and legality of these inquiries constitutes negligence, and it subjects me to unwarranted harm, including potential damage to my credit score and reputation. Under FCRA 611 and 623, I am requesting that the CFPB investigate Experians conduct and compel the immediate removal of these unauthorized inquiries.

I also request confirmation that these companies had permissible purpose under FCRA 15 U.S.C. 1681b and that Experian retained proper consumer authorization documentation.

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