Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Subject : Formal Demand for Immediate Blocking and Deletion of Fraudulent Inquiries Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) and FCRA 604 ( 15 U.S.C. 1681b ) Dear Experian, This letter serves as a formal dispute and demand under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 605B ( 15 U.S.C. 1681c-2 ), for the immediate and permanent blocking and deletion of all the following inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  unauthorized and fraudulent inquiries currently reporting on my Experian consumer credit file. 
These inquiries are the direct result of identity theft. Under FCRA 604 ( 15 U.S.C. 1681b ), a consumer reporting agency may only furnish a consumer report under specific " permissible purposes '' with proper consumer authorization. Inquiries resulting from identity theft lack permissible purpose and are illegal. 
As such, the presence of these fraudulent inquiries is a violation of my rights under the FCRA. Accordingly, I demand that Experian : Immediately block and delete the fraudulent inquiries from my credit report as required by FCRA 605B ( a ) within four ( 4 ) business days of receipt of this dispute. 
Cease and desist from reporting these inquiries to any third parties henceforth. 
As proof of identity theft, I have attached the following supporting documentation : A copy of my FTC Identity Theft Report ( Complaint # XXXX ) ; and A copy of my Experian consumer credit report reflecting the fraudulent inquiries. 
Please be advised that continued reporting of fraudulent inquiries after being notified constitutes a willful noncompliance under FCRA 616 ( 15 U.S.C. 1681n ) and negligent noncompliance under FCRA 617 ( 15 U.S.C. 1681o ), both of which allow for statutory damages, actual damages, punitive damages, and attorneys fees. 
If Experian fails to block and remove these unauthorized inquiries within four ( 4 ) business days as mandated by FCRA 605B ( b ), I am prepared to pursue all available remedies, including but not limited to, filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing a lawsuit for violations of federal law. 
Please provide written confirmation that these fraudulent inquiries have been permanently deleted from my file. Failure to comply will leave me no choice but to escalate this matter immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 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