Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
# DISPUTE LETTER - UNAUTHORIZED CREDIT INQUIRIES * * TO : * * Experian Consumer Assistance Center P.O. XXXX XXXX XXXX, TX XXXX * * DATE : * * XX/XX/XXXX * * RE : * * FORMAL DISPUTE - UNAUTHORIZED CREDIT INQUIRIES * * CONSUMER : * * XXXX XXXX * * ADDRESS : * * XXXX XXXX XXXX, XXXX XXXX, CA XXXX -- -- - # # NOTICE OF DISPUTE AND DEMAND FOR IMMEDIATE DELETION This letter serves as formal notice under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., that I am disputing the following UNAUTHORIZED credit inquiries appearing on my Experian credit report and demanding their immediate and permanent deletion. 

# # # DISPUTED UNAUTHORIZED INQUIRIES * * INQUIRIES TO BE PERMANENTLY DELETED : * * XXXX. * * XXXX XXXX XXXX * * - XX/XX/XXXX XXXX. * * XXXX XXXX XXXX XXXX XXXX * - XX/XX/XXXX XXXX. * * XXXX XXXX XXXX Co * * - XX/XX/XXXX XXXX. * * XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. * * XXXX XXXX XXXX * * - XX/XX/XXXX XXXX. * * XXXX * * - XX/XX/XXXX XXXX. * * XXXX XXXX  * * - XX/XX/XXXX XXXX. * * XXXX - XXXX * * - XX/XX/XXXX XXXX. * * XXXX - XXXX * * - XX/XX/XXXX -- -- - # # # FCRA VIOLATIONS Your reporting of these unauthorized inquiries constitutes multiple violations of the Fair Credit Reporting Act : * * XXXX. VIOLATION OF XXXX U.S.C. XXXX - PERMISSIBLE PURPOSES * * Under XXXX U.S.C. XXXX ( a ), a consumer reporting agency may furnish a consumer report only under specific permissible purposes. These inquiries were made WITHOUT : - Written consent as required under XXXX ( a ) ( XXXX ) ( A ) - Legitimate business need with existing customer relationship per XXXX ( a ) ( XXXX ) ( A ) - Court order or subpoena per XXXX ( a ) ( XXXX ) - Any other legally permissible purpose under the FCRA * * XXXX. VIOLATION OF XXXX U.S.C. XXXX ( c ) - FURNISHING REPORTS FOR EMPLOYMENT PURPOSES * * If any of these inquiries were for employment screening purposes, they lack the required written consent and proper disclosures mandated by this section. 

* * XXXX. VIOLATION OF XXXX U.S.C. XXXX ( b ) - MAXIMUM POSSIBLE ACCURACY * * You have failed to follow reasonable procedures to assure maximum possible accuracy by reporting inquiries without proper authorization verification. 

* * XXXX. VIOLATION OF XXXX U.S.C. XXXX ( g ) - INQUIRY REPORTING LIMITATIONS * * Under XXXX ( g ), inquiries made without proper permissible purpose should not be reported, and unauthorized inquiries must be removed when disputed. 

* * XXXX. VIOLATION OF XXXX U.S.C. XXXX - DISPUTE INVESTIGATION REQUIREMENTS * * You are required to conduct reasonable investigations of disputed information and remove information that can not be verified as accurate. 

* * XXXX. VIOLATION OF XXXX U.S.C. XXXX - PUBLIC RECORD INFORMATION * * While primarily addressing public records, this sections accuracy standards apply to all credit report information, including inquiry authorization verification. 

-- -- - # # # UNAUTHORIZED INQUIRY ANALYSIS * * PATTERN OF UNAUTHORIZED ACCESS : * * These inquiries represent a clear pattern of unauthorized access to my credit report by entities with whom I have had NO business relationship or contact : * * AUTOMOTIVE INQUIRIES WITHOUT AUTHORIZATION : * * - Multiple dealership and financing company inquiries without my consent - No loan applications or purchase attempts with these entities - No existing business relationships requiring credit review * * MORTGAGE/LENDING INQUIRIES WITHOUT PERMISSION : * * - XXXX XXXX related inquiries without loan applications- Multiple inquiries suggesting unauthorized credit monitoring or lead generation * * REPEATED UNAUTHORIZED ACCESS : * * - Multiple inquiries from same entities ( XXXX XXXX XXXX XXXX XXXX ) - Pattern suggesting systematic unauthorized credit report access -- -- - # # # CONSUMER RIGHTS VIOLATIONS * * UNAUTHORIZED INQUIRY HARM : * * These unauthorized inquiries have caused : - Artificial reduction in credit score - Appearance of credit-seeking behavior to other lenders - Potential denial of legitimate credit applications- Violation of privacy and financial security - Damage to creditworthiness perception * * LACK OF PERMISSIBLE PURPOSE : * * I hereby certify that I did NOT : - Apply for credit with any of these entities - Authorize any credit checks by these companies- Have existing business relationships requiring credit review - Provide written consent for credit report access - Initiate any transactions requiring credit inquiry -- -- - # # # LEGAL REQUIREMENTS UNDER FCRA * * INVESTIGATION OBLIGATIONS : * * Under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), upon receipt of this dispute, you must : - Conduct reasonable investigation within XXXX days - Review all relevant information provided by consumer - Contact inquiry source to verify authorization - Remove inquiries that can not be verified as authorized * * ACCURACY STANDARDS : * * Under XXXX U.S.C. XXXX ( b ), you must maintain reasonable procedures to assure maximum possible accuracy, including : - Verifying permissible purpose before reporting inquiries - Removing inquiries when authorization can not be confirmed - Implementing procedures to prevent unauthorized access -- -- - # # # DEMAND FOR IMMEDIATE ACTION * * I HEREBY DEMAND that you : * * XXXX. * * IMMEDIATELY DELETE * * all XXXX ( XXXX ) listed unauthorized inquiries from my credit report XXXX. * * PROVIDE WRITTEN CONFIRMATION * * of complete removal within XXXX  days XXXX. * * INVESTIGATE * * the source of these unauthorized inquiries XXXX. * * IMPLEMENT SAFEGUARDS * * to prevent future unauthorized inquiry reporting XXXX. * * PROVIDE DOCUMENTATION * * of your investigation and verification attempts 1. * * SEND UPDATED CREDIT REPORT * * confirming removal of all disputed inquiries -- -- - # # # NOTICE OF LEGAL CONSEQUENCES * * FAILURE TO COMPLY * * with this demand may result in : - Violation of XXXX U.S.C. XXXX - Willful non-compliance penalties up to {$1000.00} - Violation of XXXX XXXX. XXXX - Negligent non-compliance actual damages - Additional damages for continued FCRA violations- Attorneys fees and costs under XXXX XXXX. XXXX ( a ) ( XXXX ) - Regulatory complaints to CFPB and state agencies -- -- - # # # CERTIFICATION AND RESPONSE REQUIREMENT * * CONSUMER CERTIFICATION : * * I hereby certify under penalty of perjury that : - I did not authorize any of the listed credit inquiries- I have no business relationship with any listed entities - These inquiries appear on my credit report without permissible purpose- I am disputing these inquiries as completely unauthorized * * RESPONSE REQUIRED : * * You have * * 15 days * * from receipt to permanently delete these unauthorized inquiries and provide written confirmation. Failure to act within this timeframe will be considered willful non-compliance with FCRA requirements. 

* * DOCUMENTATION REQUESTS : * * Please provide : XXXX. Investigation file for each disputed inquiry XXXX. Authorization documentation from inquiry sources XXXX. Verification of permissible purpose for each inquiry XXXX. Written confirmation of permanent deletion XXXX. Updated credit report showing inquiry removal 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