Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of unauthorized inquiries on my consumer credit reports maintained by Experian, XXXX XXXX XXXX  The following companies accessed my personal and financial information without my consent or a permissible purpose, in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( 2 ), 15 U.S.C. 1681q, and 15 U.S.C. 1681c-2 : Inquiries : XXXX XXXX Date : XX/XX/XXXX ; Address : XXXX XXXX XXXX, XXXX, MI XXXX ; Comments : Unspecified, on record until XX/XX/XXXX. 



XXXX XXXX  Date : XX/XX/XXXX ; Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX ; Comments : XXXX, on record until XX/XX/XXXX. 



XXXX XXXX XXXX : XX/XX/XXXX ; Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Comments : XXXX XXXX, on record until XX/XX/XXXX. 



XXXX XXXX XXXX  Date : XX/XX/XXXX ; Address : XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ; Comments : XXXX XXXX, on record until XX/XX/XXXX. 



XXXX  Dates : XX/XX/XXXX, XX/XX/XXXX ; Address : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX. 



XXXX XXXX Date : XX/XX/XXXX ; Address : XXXX XXXX XXXX, XXXX, MI XXXX. 



XXXX XXXX XXXX Date : XX/XX/XXXX ; Address : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. 



XXXX XXXX Dates : XX/XX/XXXX ( XXXX ) ; Address : XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX. 



XXXX  Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 



XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ; Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX. 



XXXX XXXX Multiple dates from XX/XX/XXXX to XX/XX/XXXX ( over XXXX instances ) ; Address : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX. 



XXXX XXXX XXXX  Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. 



EXPERIAN Multiple dates from XX/XX/XXXX to XX/XX/XXXX ( over XXXX instances ) ; Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 



EXPERIAN XXXX Multiple dates from XX/XX/XXXX to XX/XX/XXXX ( over XXXX instances ). 



XXXX Dates : XX/XX/XXXX, XX/XX/XXXX. 



XXXX XXXX Date : XX/XX/XXXX. 



XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 



XXXX XXXX Date : XX/XX/XXXX. 



XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 



XXXX XXXX Date : XX/XX/XXXX. 



XXXX XXXX Date : XX/XX/XXXX. 



XXXX XXXX Date : XX/XX/XXXX. 



XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ; Address : XXXX XXXX XXXX, XXXX, OH XXXX. 

These inquiries represent unauthorized access to my personal and financial information, conducted without my written consent or a legally permissible purpose under 15 U.S.C. 1681b. I demand their immediate removal from my credit reports and a full investigation into how these violations occurred. 

Legal Basis : Permissible Purpose Under FCRA The FCRA strictly regulates access to consumer credit reports, requiring that any inquiry be supported by a permissible purpose as defined in 15 U.S.C. 1681b. Permissible purpose is a narrowly defined legal standard that ensures consumer data is accessed only for legitimate, authorized reasons. The following explains the concept and why the listed inquiries lack permissible purpose : Definition of Permissible Purpose : Under 15 U.S.C. 1681b ( a ), a consumer reporting agency may furnish a consumer report only in specific circumstances, such as : In response to a court order or subpoena ( 1681b ( a ) ( 1 ) ).

With the consumers written instructions ( 1681b ( a ) ( 2 ) ).

To a person with a legitimate business need in connection with a transaction initiated by the consumer, such as a credit application, employment background check ( with consent ), or insurance underwriting ( 1681b ( a ) ( 3 ) ).

For debt collection purposes, but only if the debt is legitimate and verified ( 1681b ( a ) ( 3 ) ( A ) ).

Permissible purpose requires explicit consumer consent or a direct consumer-initiated transaction. Without my written authorization or evidence of a transaction I initiated, these inquiries are unlawful. 



Lack of Permissible Purpose for Listed Inquiries : I did not provide written consent to any of the listed companies to access my credit report. 



I did not initiate transactions ( e.g., credit applications, loan requests, or employment screenings ) with these entities on the specified dates. 



Many inquiries, such as those from XXXX XXXX, Experian, and Experian XXXX, appear to be promotional or soft inquiries misreported as hard inquiries, which is a violation of 15 U.S.C. 1681b ( c ) ( limiting prescreening inquiries to firm offers of credit with consumer opt-out rights ).

Inquiries from debt collectors ( e.g., XXXX XXXX, XXXX XXXX XXXX XXXX ) lack permissible purpose if they pertain to unverified or disputed debts, as I have not acknowledged any such obligations. 



The excessive frequency of inquiries from XXXX XXXX ( over XXXX instances ) and Experian ( over XXXX instances ) suggests systematic abuse of access, potentially for marketing or data mining, which is not a permissible purpose under FCRA. 



Consumer Harm : Unauthorized inquiries damage my credit score, privacy, and financial reputation. Hard inquiries can lower credit scores by XXXX points each, and the cumulative effect of these inquiries is substantial. 



The CRAs failure to verify permissible purpose before granting access constitutes negligent noncompliance with FCRA, subjecting them to liability under 15 U.S.C. 1681n ( willful violations ) and 15 U.S.C. 1681o ( negligent violations ).

Legal Violations and Challenges The CRAs reporting of these inquiries violates the following FCRA provisions : 15 U.S.C. 1681b ( 2 ) Written Consent Requirement : This section mandates that a consumer report may only be furnished with the consumers written instructions, except in specific circumstances ( e.g., court order or permissible purpose ). I did not provide written consent for any of the listed inquiries. The CRAs failure to obtain my authorization before granting access is a direct violation of this provision.

15 U.S.C. 1681q Obtaining Information Under False Pretenses : Any person or entity that obtains a consumer report under false pretenses, or without a permissible purpose, violates 1681q. If the listed companies accessed my report claiming a permissible purpose ( e.g., credit application ) without my initiation or consent, they acted under false pretenses. The CRAs are complicit in this violation by failing to verify the legitimacy of these requests. 



15 U.S.C. 1681c-2 Blocking Unauthorized Information : This section requires CRAs to block information resulting from identity theft or unauthorized access upon consumer request. I assert that these inquiries are unauthorized and akin to identity theft, as they were made without my knowledge or consent. The CRAs must remove these inquiries immediately upon receipt of this dispute, as they lack any verifiable permissible purpose. 

Specific Demands I demand the following immediate actions : Remove All Unauthorized Inquiries : Delete all listed inquiries from my credit reports, as they lack permissible purpose and violate FCRA. 



Provide Evidence of Permissible Purpose : For each inquiry, produce tangible evidence of my written consent or a consumer-initiated transaction ( e.g., signed credit application, employment authorization ). Generic responses or unverifiable claims from the inquiring companies are unacceptable. 
Investigate and Verify : Conduct a manual investigation into each inquiry, contacting the listed companies to confirm permissible purpose. Automated reinvestigations via E-OSCAR are insufficient and violate 15 U.S.C. 1681i ( reasonable reinvestigation requirement ).

Cease Unauthorized Access : Implement safeguards to prevent further unauthorized access to my credit file, including verification of permissible purpose before granting access. 



Written Confirmation : Provide written confirmation of the removal of all disputed inquiries within 30 days, along with updated credit reports reflecting these changes. 

Warning DO NOT attempt to validate these inquiries using : Automated, unverifiable responses from E-OSCAR or inquiring companies. 



Generic affidavits or statements lacking specific evidence of my consent or transaction. 



Misclassification of promotional or soft inquiries as permissible hard inquiries. 

Any attempt to substantiate these inquiries with fraudulent, misleading, or unverifiable documentation will be treated as a willful violation of FCRA, subjecting the CRAs to statutory damages of up to {$1000.00} per violation under 15 U.S.C. 1681n, plus actual damages, punitive damages, and attorneys fees. Should Experian, XXXX, or XXXX fail to comply, I will : file with the applicable consumer compliance agencies Pursue legal action for violations of consumer privacy, defamation of credit, emotional distress, and negligent/willful noncompliance with FCRA. 



Seek an injunction to prevent further unauthorized disclosures of my credit file. 

Investigation Accountability Your investigation must be thorough, manual, and compliant with 15 U.S.C. 1681i. I expect : Direct contact with each inquiring company to obtain proof of permissible purpose ( e.g., signed authorization or contract ).

A detailed explanation of how each inquiry complies with 15 U.S.C. 1681b, including copies of any supporting documentation.

Immediate removal of all inquiries for which permissible purpose can not be verified. 














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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