Consumer complaint received 2025-11-06 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: ID Analytics, Inc.
State: OH

Complaint narrative:
Date : XX/XX/XXXX To XXXX XXXX XXXXXXXX. XXXX XXXX XXXX, TX XXXX CC : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX  DC XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX Subject : Formal Dispute and CFPB Complaint Unauthorized Hard Inquiries ( FCRA 604, 611, 623, Metro 2, XXXX XXXX Escrow Compliance ) -- - To Whom It May Concern, I am formally disputing the following hard inquiries appearing on my Experian consumer report dated XX/XX/XXXX. These inquiries were not authorized by me and do not meet the permissible purpose requirements under FCRA 604 ( a ) ( 2 ).

Under Metro 2 reporting standards, Experian must verify the data furnishers permissible purpose, not merely that an inquiry occurred.

As required under FCRA 611 ( a ) and 623 ( a ) ( 1 ) ( A ), I demand immediate reinvestigation and deletion of all inquiries for which the data furnisher can not produce Escrow-verified documentation demonstrating my written authorization or a legitimate credit application. 

The following inquiries appear on my credit file : XXXXXXXX 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 XXXXXX/XX/XXXX -- - Demand for Metro 2 and Escrow Compliance Verification Pursuant to Metro 2 Consumer Reporting Resource Guide ( CRRG ) 6.2.2, all data furnishers must validate consumer inquiries via Permissible Purpose Escrow Verification, including a copy of the signed authorization or application used to initiate the credit pull. 

If XXXX  or the listed companies can not provide signed authorization or digital escrow documentation, you are required by FCRA 611 ( a ) ( 5 ) ( A ) to delete these inquiries immediately and notify all bureaus and parties who received such information within the last 30 days.

Failure to comply will constitute willful noncompliance under FCRA 616 & 617, entitling me to statutory and actual damages.

-- - Requested Action : 1. ConducXXXX a full reinvestigation for each inquiry listed above. 


XXXX. Provide written documentation proving permissible purpose for each. 


XXXX. Delete any inquiry that can not be verified with Escrow or written authorization. 


XXXX. Update and reissue my credit file reflecting these deletions. 
5. Provide confirmation of compliance and correction within 30 days per FCRA 611 ( a ) ( 1 ) ( A ).

-- - Notice to CFPB : This complaint is being filed with the CFPB because Experian continues to report unauthorized inquiries that violate both FCRA and Metro 2 Escrow Validation standards. I am requesting that the CFPB investigate XXXX procedures for verifying permissible purpose inquiries and compel full deletion of all unverifiable entries. 


-- - Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief