Consumer complaint received 2025-08-08 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: MN

Complaint narrative:
I am filing this complaint because my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) have been repeatedly violated through the reporting of unauthorized, inaccurate, and fraudulent inquiries on my credit file. These inquiries have been placed without my knowledge, authorization, or permissible purpose under federal law. I have suffered XXXX XXXX denial of credit opportunities, higher interest rates, and reputational harm as a result of these unlawful actions. I am demanding the immediate removal of these inquiries, a thorough investigation, and written confirmation of compliance with all applicable laws. 

XXXX XXXX XX/XX/XXXX Inquiry Issue : This inquiry was placed on my credit report without my authorization or any permissible purpose. I never applied for any credit card or service from XXXX on or around this date. Under FCRA 604 ( a ) ( 3 ), a credit bureau may only provide my credit report for legitimate purposes such as a credit application I initiated. No such application was ever submitted by me, and no signed or verifiable authorization exists.

Law : FCRA 604 ( a ) ( 3 ) ( 15 U.S.C. 1681b ) Permissible purposes of consumer reports ; FCRA 607 ( a ) Compliance procedures ; FCRA 611 ( 15 U.S.C. 1681i ) Duty to investigate disputed information.

Story : The unauthorized placement of this inquiry has damaged my credit score and created a false impression to potential lenders that I am actively seeking new credit. This false reporting has caused financial injury and XXXX  XXXX. I have requested validation from the furnisher, and no valid documentation was provided. The continued reporting is willful noncompliance with federal law. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : A second unauthorized inquiry from XXXX is on my file. This pattern suggests either internal error or deliberate misconduct. There is no signed credit application, no business relationship, and no permissible purpose under FCRA. 
Law : FCRA 604 ( a ) ( 3 ), FCRA 607 ( b ) Maximum possible accuracy ; FCRA 611 Duty to reinvestigate disputed information.

Story : Multiple unauthorized inquiries from the same furnisher within a short time frame demonstrate negligence and disregard for consumer rights. This inquiry has contributed to an unjustified decrease in my credit score and potential denial of future credit applications. I demand its removal and a full audit trail.

Relief Requested : Immediate deletion of all the above unauthorized inquiries from my credit report, a thorough investigation into each furnishers request for my credit file, and written proof that the inquiry had a permissible purpose as required by FCRA. If no proof exists, the inquiry must be permanently deleted. I also request that the CFPB take enforcement action to prevent such violations from recurring.

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