Consumer complaint received 2025-07-23 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: NC

Complaint narrative:
XXXX. * * Complaint Summary : Unauthorized Hard Inquiries by XXXX XXXX and Failure to Investigate by Credit Bureaus * * I am filing a formal complaint against XXXX XXXX of XXXX, NC, and the credit reporting agencies Experian, TransUnion, and XXXX  for processing and reporting unauthorized hard credit inquiries initiated without my consent. 

XXXX. Background : In early XX/XX/year>, I visited XXXX XXXX ( XXXX XXXX Highway XXXX XXXX, XXXX, NC XXXX ) to view a vehicle. I had already been pre-qualified through XXXX XXXX via XXXX and explicitly instructed XXXX salespeople not to run my credit under any circumstances. 

Despite this clear instruction, XXXX XXXX XXXX Department submitted my information to multiple lenders, triggering several hard inquiries across all three major credit bureaus. These inquiries were made : Without my written or verbal authorization Without a signed credit application In direct violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( f ) I received real-time alerts while still at the dealership and immediately contacted XXXX XXXX XXXX XXXX the actions. They refused to take any corrective action. 

XXXX. Disputed Inquiries by XXXX : Experian : XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> TransUnion : XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX  : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX. Experian 's Failure to Investigate : On XX/XX/year>, I mailed a certified dispute letter to Experian, including : A copy of my drivers license A utility bill to verify my identity A detailed letter identifying the unauthorized inquiries On XX/XX/year>, Experian responded via email, refusing to investigate, stating they could not verify the request came from XXXX proper identification and certified mail. 

This refusal violates XXXX XXXX XXXX XXXX ( a ) of the FCRA, which requires Experian to reinvestigate disputed information when notified by the consumer. 

XXXX. Legal Violations Cited : XXXX XXXX : Violated FCRA 1681b ( f ) by accessing my credit without a permissible purpose. Also potentially liable under NC General Statutes 75-1.1 ( Unfair and Deceptive Trade Practices ). 

Experian : Violated FCRA XXXX ( a ) by failing to investigate a properly submitted dispute. 

TransUnion XXXX XXXX  : Reported inquiries resulting from unauthorized access to my credit report, and must also investigate and remove these records as they were based on impermissible access. 

XXXX. Relief Requested : Immediate deletion of all the unauthorized inquiries from Experian, XXXX, and TransUnion Written confirmation of the investigation outcome from each bureau Corrective action against XXXX XXXX for initiating these impermissible pulls Assurance that my consumer rights will be upheld, and this will not negatively impact my credit standing

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