Consumer complaint received 2025-07-18 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: DE

Complaint narrative:
This is the letter I sent to the credit bureaus TransUnion, Experian, and Equifax and no one will address my issue. It is impossible to talk to a live agent over the phone to discuss the dispute and when you send letters to the mailing address of each bureau the response is we need more information. It is very frustrating to get the issues corrected when you have a company that loves to report inaccuracies but do not want to report or make corrections. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, DE XXXX [ XXXX Last XXXX digits : XXXX ] XXXX : XX/XX/XXXX To : XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries from Credit Report Dear Experian, I am writing to formally dispute several unauthorized hard inquiries that are currently listed on my credit report. These inquiries were not authorized by me, nor do I recall applying for credit with the companies listed. As such, they represent a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Pursuant to the FCRA, specifically : 15 U.S.C. 1681b ( c ) A consumer reporting agency may only furnish a consumer report when there is a permissible purpose, such as a firm offer of credit or insurance initiated by the consumer. 
15 U.S.C. 1681b ( a ) ( 3 ) ( A ) Reports can only be provided when there is a legitimate business need in connection with a transaction initiated by the consumer.

15 U.S.C. 1681b ( f ) No person shall obtain a consumer report unless it is for a purpose authorized by this section. 
15 U.S.C. 1681i You are required to reinvestigate any disputed information within 30 days of receiving notice from the consumer. 
Under these laws, I request the immediate removal of the following unauthorized hard inquiries from my credit file : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries were made without my knowledge or proper authorization. I did not give written or verbal consent to these entities to access my credit profile, nor did I initiate any credit transaction with them. As such, they constitute a violation of my rights under the FCRA. 
Action Requested : Conduct a reinvestigation of the inquiries listed above. 
Remove the inquiries from my credit report if no valid permissible purpose is proven. 
Provide me with written confirmation of the deletion or the outcome of the reinvestigation within XXXX  days, as required by law. 
I have enclosed a copy of my identification ( government-issued ID ), proof of address, and a copy of my credit report highlighting the disputed inquiries for your reference. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX : Copy of Government-Issued ID Proof of Address ( utility bill, lease, etc. ) Copy of Credit Report with Disputed Inquiries Highlighted

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