Consumer complaint received 2025-06-14 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: MA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding several unauthorized hard inquiries appearing on my credit report, which I did not authorize, initiate, or consent to. These hard inquiries have negatively impacted my credit profile and caused significant distress. Despite not applying for credit or services with these entities on the listed dates, the following inquiries have been recorded on my file : List of Disputed Inquiries : 1. XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Unauthorized hard inquiry without permissible purpose Violation : Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ) No permissible purpose under this statute. 
2. XXXX XXXX XXXX Date of Inquiry : XX/XX/year> No application submitted; this inquiry was made without my knowledge or consent Violation : FCRA 604 ( a ) ( 3 ), 616 Accessing my report without authorization is a willful violation. 
XXXX. XXXX XXXX  Date of Inquiry : XX/XX/year> I did not authorize or apply for any credit with this institution Violation : FCRA 604 ( a ) ( 3 ), 615 Improper usage of consumer report data. 
XXXX. XXXX XXXX  Date of Inquiry : XX/XX/year> Unsolicited inquiry I have no relationship or transaction with this entity Violation : FCRA 604 ( a ) ( 3 ), 616 No permissible purpose or consumer consent. 
XXXX. XXXX  XXXX XXXX  Date of Inquiry : XX/XX/year> Improper pull by business credit entity, despite no application or authorization Violation : FCRA 604 ( c ) and 607 No authorization and failure to maintain accuracy.

Statement : These inquiries are not only inaccurate but also illegally obtained. Under FCRA 604 ( a ), a consumer reporting agency may furnish a consumer report only for specific permissible purposes, such as when a consumer applies for credit or gives written consent. I have never applied for credit, loans, or any financial product from the entities listed above on the specified dates.

These hard inquiries have resulted in unnecessary damage to my credit score and subjected me to emotional distress. I consider these actions to be reckless, intrusive, and unlawful.

Under FCRA 616 and 617, I reserve the right to pursue damages for willful and negligent noncompliance. I am requesting that these entries be immediately removed from my credit report and that proper investigations be initiated into how and why these entities accessed my credit file.

Relief Sought : 1. Permanent removal of all the above-mentioned hard inquiries from my credit report.

2. Written confirmation from Experian, TransUnion, and Equifax confirming the removal.

3. Investigation and regulatory action against the parties that accessed my report without authorization.

4. Assurance that such violations will not occur again in the future.

Supporting Law Citations : FCRA 604 ( a ) ( 3 ) : Limits when a consumer report can be accessed.

FCRA 616 : Civil liability for willful noncompliance.

FCRA 617 : Civil liability for negligent noncompliance.

FCRA 607 ( a ) : Obligation to ensure information is complete and accurate.

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