Consumer complaint received 2025-06-24 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:
XX/XX/year> To Whom It May Concern, RE : Unauthorized Credit Inquiries, Violations of the Fair Credit Reporting Act, TILA Violations, and Demands for Validation and Rescission of Auto Loan Transactions I, XXXX XXXX XXXX, am formally disputing the validity, permissibility, and accuracy of multiple credit inquiries and transactions made without my informed consent during my recent interaction with XXXX XXXX XXXX and affiliated financing entities. These hard inquiries and loan-related actions were executed on or about XX/XX/year>, and following dates, as reflected on my credit reports from Experian, TransUnion, and Equifax. 
The following furnishers and financial institutions have reported or pulled my credit without adequate disclosure or consent : - XXXX XXXX XXXX XXXX 
- XXXX XXXX, XXXX. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) - XXXX XXXX XXXX ( and affiliate lenders ) I was under the impression that only one lender associated with XXXX would evaluate my application. However, my credit was disseminated to multiple institutions without full and conspicuous disclosure or my written consent to do so, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), and applicable California privacy laws.

In addition, I did not receive a clear and accurate Truth in Lending Act ( TILA ) disclosure prior to the execution of the agreement. Furthermore, the dealership presented a new contract for signing after the initial document was executed, without providing proper cancellation, disclosure, or due process in violation of Regulation Z and California Civil Code 2981-2984.4.

Therefore, I am demanding the following : 1. Immediate removal of all unauthorized inquiries from XX/XX/year> associated with the above furnishers. 
2. Full validation of any alleged accounts opened or applications submitted in my name, including all contracts, disclosures, application signatures, and timestamps.

3. A formal written explanation of the permissible purpose relied upon by each furnisher.

4. Rescission of the retail installment sales contract under TILA and California consumer protection statutes.

5. Full refund of all monies paid in connection to the transaction, including my down payment of {$6000.00}. Only {$1000.00} has been returned.

Please consider this letter a direct dispute under FCRA 611 ( 15 U.S.C. 1681i ), a demand for validation under 623 ( 15 U.S.C. 1681s-2 ), and a request under all relevant state and federal statutes for an immediate halt and reversal of any reported information found to be inaccurate, unauthorized, or obtained deceptively.

You are legally required to complete your investigation within 30 days and provide full documentation. Failure to do so may result in civil litigation and regulatory complaints. 
Sincerely, XXXX 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