Consumer complaint received 2024-12-11 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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXSubject : Dispute of Inaccurate and Non-Permissible Purpose Inquiries on Credit ReportXXXX XXXXTo Whom It May Concern, ** This letter is to formally dispute several inquiries listed on my Experian credit report, dated XX/XX/XXXX, for account [ Your Experian Account Number ]. I believe these inquiries are either inaccurate, lack a permissible purpose under the Fair Credit Reporting Act ( FCRA ), or their continued presence is unduly impacting my credit score. I am requesting an immediate investigation and correction of these discrepancies.

**Specific Inquiries and Lack of Permissible Purpose : ** The following inquiries are disputed due to a lack of demonstrable permissible purpose under the FCRA . For each inquiry, I request verification of the legitimacy and necessity of reporting the inquiry, as well as a clear explanation of the permissible purpose justifying its inclusion on my credit report. Absent a valid permissible purpose, I request the immediate removal of these inquiries. 

XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX ) : ** I have no record of applying for credit with XXXX  XXXX XXXX XXXX. on this date. This inquiry appears to be an error and lacks a permissible purpose for inclusion on my credit report. 

XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX ) : ** I do not recall applying for credit with XXXX  XXXX XXXX on this date. Please provide documentation verifying this inquiry and a clear explanation of the permissible purpose justifying its inclusion. 

XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Similar to inquiries # 1 and # 2, I have no record of this inquiry and request verification and justification for its presence, along with confirmation of a permissible purpose. 

XXXX. XXXX ( XX/XX/XXXX ) : ** While I acknowledge a legitimate inquiry from XXXX XXXX to my auto loan application, I dispute the continued presence of this inquiry. The loan application was processed, and the loan is now an established and actively paid account. The extended duration of this inquiry, beyond its permissible purpose, is likely negatively affecting my credit rating and should be reviewed for removal. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request verification of this inquiry, justification for its inclusion, and confirmation that a permissible purpose exists under the FCRA for its inclusion on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also request verification of this inquiry, justification for its inclusion, and confirmation of its permissible purpose under the FCRA. 


XXXXmpact of Inquiries XXXX XXXX The presence of these potentially inaccurate and/or non-permissible purpose inquiries may be artificially lowering my credit score, potentially hindering my ability

to obtain favorable credit terms. I am concerned that the extended duration of certain inquiries exceeds any valid permissible purpose and negatively impacts my creditworthiness. **Request : ** I request a thorough investigation of the inquiries listed above. I ask that you remove any inquiries found to be inaccurate, unnecessary, lacking a permissible purpose under the FCRA, or improperly reported. Please provide a copy of my updated credit report reflecting these corrections. 

**Sincerely, XXXX XXXX XXXXXXXX

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