Consumer complaint received 2025-11-30 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: FL

Complaint narrative:
I am filing this formal identity theft complaint and demand for deletion regarding unauthorized hard inquiries that Experian continues to publish on my credit report. These inquiries were not authorized, were not initiated by me, and appear as a result of identity theft, as documented in my FTC Identity Theft Report # XXXX. 

Under 15 U.S.C. 1681c-2, Experian is legally required to block and delete all information resulting from identity theft within four ( 4 ) business days. 

Unauthorized Hard Inquiries Experian XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX  ( XX/XX/year> ) XXXX XXXX  ( XX/XX/year> ) These inquiries were not authorized, and none of these companies have provided any contracts, applications, or permissible-purpose documentation bearing my signature. Therefore, the data is unverifiable and must be deleted immediately. 

VIOLATIONS OF FEDERAL LAW FCRA 602 Congressional Intent Requires that credit bureau information be fair, accurate, and respectful of consumer privacy. 

FCRA 607 ( b ) Maximum Possible Accuracy Experian must ensure that all information is accurate before reporting it.

Reporting inquiries obtained fraudulently violates this provision.

FCRA 609 ( e ) Identity Theft Documentation My FTC Report # XXXX is valid proof of identity theft and must be honored. 

FCRA 611 & 1681i Reinvestigation Duties Experian must conduct a reasonable investigation and delete unverifiable data.

FCRA 1681b No Permissible Purpose No permissible purpose exists because I never authorized these creditors to access my report.

FCRA 1681c-2 Mandatory Blocking Requires Experian to block identity-theft-related information within 4 business days.

FCRA 623 ( a ) ( 1 ) ( A ) A furnisher may not report information that it knows or should know is inaccurate.

OBLIGATION TO DELETE UNAUTHORIZED INQUIRIES Under identity theft law ( 15 U.S.C. 1681c-2 ), a bureau MUST : Block all fraudulent inquiries Delete them permanently Prevent reinsertion without full furnisher certification Provide written results of the investigation Experian has been on notice via my FTC Report and must correct my file immediately. 

FINAL DEMAND FOR ACTION Experian must : DELETE Immediately : XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX  ( XX/XX/year> ) XXXX XXXX  ( XX/XX/year> ) 2. BLOCK These Inquiries Under FCRA 1681c-2 as identity-theft-related items.

3. PROVIDE Written Confirmation of deletion mailed to my address.

4. PREVENT Reinsertion unless all steps of FCRA 611 ( a ) ( 5 ) ( B ) are fully satisfied.

NOTICE OF FEDERAL ACTION If Experian fails to comply, I will take further action with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Florida Attorney General Possible civil action for damages under FCRA 1681n & 1681o

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