Consumer complaint received 2025-07-20 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:
Dear CFPB Team : Subject : DEMAND TO IMMEDIATELY DELETE UNAUTHORIZED INQUIRIES FROM CREDIT REPORT DELETE the following unauthorized inquiries listed on my credit report for the reasons below I recently reviewed my credit report and found unauthorized inquiries.

I have contacted the CREDITORS LISTED BELOW, AND THEY HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES NO WRITTEN AUTHORIZATION and have provided no permissible purpose. Since they have no authorization from me, either written or verbal, I am requesting that you DELETE these unauthorized inquiries from my credit report immediately, as there is no evidence of any authorization, nor any permissible purpose.

Pursuant to Section 604 of the Fair Credit Reporting Act ( FCRA ), Permissible Purposes of Consumer Reports, 15 U.S. Code 1681b - In General : Subject to subsection ( e ), any consumer reporting agency may provide a consumer report under the following circumstances and no others : ( F ) otherwise has a legitimate business need to obtain the information ( 1 ) in connection with a business transaction initiated by the consumer.

Per 15 U.S. Code 1681i, Paragraph ( 5 ) - Handling of Inaccurate or Unverifiable Information : ( A ) In general. If, after a reinvestigation pursuant to paragraph ( 1 ) of any information disputed by a consumer, an item of information is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall : ( 1 ) promptly delete.

ADDITIONALLY, pursuant to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIRY you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account.

I demand that you show me verifiable proof ( an original consumer contract with my signature ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has affected my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you can not provide me with a copy of verifiable proof, you must remove the accounts listed below. 
I demand that the following inquiries be removed immediately : 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 I have contacted the Experian on several occasions to report these fraudulent inquiries, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. 

I appreciate your prompt attention to this matter and look forward to receiving a response within the timeframe required by law. 
Sincerely, Name and last name 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