Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
Attention Report Team at Experian I am sending this to you today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. 
I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 
I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 
XXXX XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my XXXX of XXXX report. - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXXXX - I was never late on this account, please update this on my report- I do not recall ever being late on this- please remove this erroneous information you are reporting. 
XXXX XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX  XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXXXX - I was never late on this account, please update this on my report- I do not recall ever being late on this- please remove this erroneous information you are reporting. 
Please see the above inquiries as well. 
The Fair Credit Reporting Act also states that the only permissible purpose for pulling someones credit report is : A ) Firm offer of credit B ) Insurance C ) A court order D ) Employment, for a firm offer of credit, a court order, insurance, or employment. None of the above applies to the inquiries on my credit report. Please erase them immediately. 
Any and all private information should be reporting as the following and other information should be deleted from my credit file : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Thank you for taking the time to look into these. I am very excited to hear back from you! Sincerely, 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