Consumer complaint received 2025-06-13 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: NY

Complaint narrative:
I am submitting this formal complaint regarding multiple unauthorized and unverified inquiries being reported on my credit file without my knowledge or consent. These hard inquiries have negatively impacted my credit score and profile, despite the fact that I did not initiate or authorize any application for credit or service with these entities.

Under the Fair Credit Reporting Act ( FCRA ) Section 604 ( 15 U.S. Code 1681b ), a credit bureau may only furnish a consumer report when there is a permissible purpose and verifiable consumer authorization. Additionally, under FCRA Section 609 ( 15 U.S. Code 1681g ), I have the right to know who accessed my credit report, for what purpose, and under what authority.

These companies have failed to meet these requirements. I never received any disclosures, nor did I sign any application or agreement that would grant permissible purpose to access my credit profile. I have already submitted disputes to the credit bureaus and these inquiries remain unresolved.

The following inquiries are being reported in error : Inquiries Being Disputed : 1. XXXX XXXXXX/XX/XXXX Issue : Unauthorized inquiry. I have no affiliation with XXXX  nor did I apply for any credit. 
Violation : FCRA 604 No permissible purpose.

2. EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX Issue : Business inquiry reported on personal credit without authorization. 
Violation : FCRA 604 ( a ) ( 3 ) ( A ) ; FCRA 609 No disclosure or consumer consent.

3. XXXX XXXX XX/XX/XXXX Issue : I did not apply for any credit or service with this company. No proof of consent. 
Violation : FCRA 604 No written authorization. 
4. XXXX XXXX XXXX XXXX XX/XX/XXXX Issue : This company pulled my report without any contact, transaction, or approval.

Violation : FCRA 604 ( a ) ; FCRA 607 Failure to verify identity and permissible purpose. 
XXXX. XXXX XXXX XX/XX/XXXX Issue : Unknown and unrecognized inquiry. No permissible relationship exists. 
Violation : FCRA 604 ( b ) ( 2 ) ; consumer notification requirements not met. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX Issue : This inquiry was made without my consent. No credit application or transaction. 
Violation : FCRA 604 Accessed my report unlawfully. 
XXXX. XXXX XX/XX/XXXX XXXX : This inquiry appears on my credit file without my authorization. No services sought or initiated by me. 
Violation : FCRA 609 Failure to notify consumer and provide purpose of inquiry.

Requested Resolution : Immediate deletion of the unauthorized and unverified hard inquiries listed above from all three credit reporting agencies ( Experian, TransUnion, Equifax ). 
A complete investigation into the failure of these companies to obtain proper authorization before accessing my credit. 
Require all listed entities to produce proof of written authorization or application bearing my signature. 
Impose any necessary penalties or sanctions on the companies violating FCRA regulations.

Laws Cited : FCRA 604 [ 15 U.S. Code 1681b ] Permissible purposes of consumer reports FCRA 609 [ 15 U.S. Code 1681g ] Disclosures to consumers FCRA 607 [ 15 U.S. Code 1681e ] Compliance procedures and identity verification FCRA 616 [ 15 U.S. Code 1681n ] Civil liability for willful noncompliance FCRA 617 [ 15 U.S. Code 1681o ] Civil liability for negligent noncompliance Declaration : I affirm that the above information is accurate to the best of my knowledge. I request immediate action from the CFPB to uphold my consumer rights and ensure the credit reporting agencies and the companies involved are held accountable for these violations.

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