Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
I am submitting this complaint regarding unauthorized hard inquiries appearing on my credit report. These inquiries stem from what appears to be misuse of my personal information during the auto loan shopping process by third-party dealerships or intermediaries. Many inquiries appear multiple times from the same lender, sometimes days or months apart, which is inconsistent with a legitimate credit application process. 
XXXX. Specific Examples of Unauthorized Inquiries : Below is the full list of unauthorized inquiries that I am disputing : XXXX XXXX : XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/XXXX : XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/XXXX : XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX These repeated inquiries from Ally Financial are unreasonable and inconsistent with any legitimate borrowing behavior. If I had been denied or approved once, there is no logical reason for me to reapply multiple times, especially months apart. This strongly indicates third-party misuse of my information. 
XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX The multiple inquiries to XXXXXXXX XXXX XXXX XXXX  within days and weeks of each other suggest dealership misuse of my information without my explicit consent. 
XXXX XXXX XXXX XXXX : XX/XX/XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX : XX/XX/XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XX/XX/XXXX : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX : XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX : XX/XX/XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX, XXXX : XX/XX/XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX : XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Evidence of Unauthorized Activity : The volume and timing of these inquiries are inconsistent with legitimate credit behavior. 
If I had been denied or approved credit, there would be no reason for me to continue reapplying to the same lenders repeatedly. This clearly points to misuse by a third party, likely a dealership or intermediary, shopping my information without my explicit consent. 
4. Harm Caused : These inquiries have negatively impacted my credit score, reducing my ability to secure future credit at favorable terms. 
XXXX. Actions Already Taken : I contacted XXXX, but they refused to remove the inquiries without an FTC complaint.

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