Consumer complaint received 2025-08-31 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:
Equifax Information Services LLC XXXX. Box XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX From : XXXX XXXX Phone : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX FL, XXXX Subject : Dispute of Unauthorized Hard Inquiries FCRA 604, 607 ( a ), 611 To Equifax, Transunion, Experian Dispute Department : I am disputing the hard inquiries listed below that appear on my Equifax credit file. I did not authorize these pulls, did not initiate a credit transaction with these entities, and did not provide written or oral consent. Under FCRA 604 ( 15 U.S.C. 1681b ), a consumer report may be furnished only for a permissible purpose tied to a transaction I initiated. These inquiries do not meet that standard. Further, FCRA 607 ( a ) ( 15 U.S.C. 1681e ( a ) ) requires you to maintain reasonable procedures to prevent unauthorized disclosures.

Per FCRA 611 ( 15 U.S.C. 1681i ), please conduct a reasonable reinvestigation and delete each inquiry that can not be substantiated with documented permissible purpose. If you contend any item is valid, provide the Method of Verification and exact permissible-purpose certification and application/consent record used to obtain my file. 

Disputed Inquiries ( Equifax, Experian, Transunion : XXXXXXXX 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 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 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 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 ( date not shown ) Requested Action : 1. Delete all listed inquiries that lack documented permissible purpose ; 2 ) provide written confirmation and updated report ; 3 ) supply the Method of Verification for any item you refuse to delete.

If Equifax, Experian, Transunion fails to comply, I reserve my rights under FCRA 616617 ( 15 U.S.C. 1681n1681o ) for willful or negligent noncompliance. 

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