Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that appear on my Experian credit report. I did not authorize these inquiries, and they therefore constitute a violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ). 


XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : XXXX Email : XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX TransUnion XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Unauthorized Inquiry by XXXX Bank XXXX Violation of FCRA ( XX/XX/XXXX ) To Whom It May Concern, I am writing to formally dispute a hard inquiry made by XXXX Bank XXXX that appears on my TransUnion credit report dated XX/XX/XXXX. This inquiry was unauthorized, and I did not initiate any credit application or give written consent to XXXX Bank XXXX for this inquiry. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXb, a consumer reporting agency may only furnish a consumer report if there is a permissible purpose, such as a firm offer of credit or insurance, employment, or with written instruction from the consumer. 

This inquiry violates the FCRA because there was no permissible purpose. Additionally, I request the following : XXXX. The specific permissible purpose XXXX Bank XXXX certified under 15 U.S.C. XXXXb. 


XXXX. The method of verification used to validate this inquiry under 15 U.S.C. XXXXi ( a ) ( XXXX ) ( B ) ( XXXX ). 


XXXX. Immediate removal of this inquiry if it can not be substantiated with proper documentation of authorization. 



I direct your attention to the following case law supporting my position XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXXXXXX XXXX  XXXX ) : The court ruled that a debt collector did not have a permissible purpose to obtain a credit report without the consumers consent or a legitimate debt collection purpose. 

XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : A credit report may not be obtained unless there is a firm offer of credit or clear consumer consent. 

XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : A company accessing a credit report without permissible purpose or proper authorization may be liable under the FCRA. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Emphasized that the FCRA restricts access to credit reports to those with a statutorily defined permissible purpose. 


If this inquiry is not removed within XXXX days, I will pursue legal action under 15 U.S.C. XXXX ( for willful noncompliance ) and XXXX ( for negligent noncompliance ) and seek monetary damages, attorneys fees, and other relief provided by law. 

Please confirm the removal of this unauthorized inquiry in writing. 

Sincerely, XXXX XXXX Have a great day 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