Consumer complaint received 2025-10-06 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: MO

Complaint narrative:
I am filing this complaint because multiple unauthorized and duplicate hard inquiries were reported on my credit files with Equifax, Experian, and TransUnion, despite my not granting consent or authorization for these inquiries. I am also disputing the continued reporting of inaccurate personal information, including a wrong name and address, which remain unresolved even after prior disputes. 

I am a documented Equifax Data Breach impacted consumer, and my personal information was compromised in that breach. Therefore, Equifax and all associated credit bureaus should exercise heightened diligence and verification standards when reporting any information on my file. Despite this, the credit bureaus continue to report unverifiable and inaccurate data that has already been disputed. 

Unauthorized Inquiries Reported Across all three credit bureaus, there are repeated unauthorized inquiries, many of which appear multiple times under slightly different variations. These include but are not limited to : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : 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 Experian : 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 Each of these inquiries was reported without any permissible purpose or verified documentation such as a signed application or consent form, which violates FCRA 604 ( a ) ( 2 ), 607 ( a ), 607 ( b ), 611, and Metro 2 compliance requirements. These repeated, unverified inquiries have negatively impacted my credit standing, interest rates, and overall creditworthiness.

Personal Information Errors All three credit bureaus continue to report false and inaccurate personal identifiers, including : Incorrect Name : XXXX XXXX ( misspelled ) Incorrect Address : XXXX XXXX XXXX, XXXX XXXXXXXX, MO XXXX My correct and only address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Missouri XXXX, and my correct name is XXXX XXXX XXXX. Reporting false identifiers violates FCRA 609 and 611 as well as Metro 2 reporting standards. Despite my written disputes, these inaccuracies remain unresolved. 

Ongoing Noncompliance Each bureau has failed to provide any original signed documentation or proof of permissible purpose to justify these inquiries. Instead, they continue to mark them as verified without factual evidence, which constitutes willful noncompliance under FCRA 616 and 617. Given my breach status with Equifax, this negligence is especially egregious. 

These actions have caused me tangible harm, including credit denials and increased interest rates. The continued reporting of unverifiable data represents negligence, unfair treatment, and disregard for consumer rights under federal law. 

Requested Resolution I respectfully request that the Consumer Financial Protection Bureau assist in enforcing : Permanent deletion of all unauthorized and duplicate inquiries listed above from my Equifax, Experian, and TransUnion reports.

Immediate correction of my personal identifying information across all credit bureaus.

Written confirmation from each bureau that these items have been removed and my file updated in compliance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 data standards. 

A review of these agencies verification and breach-handling procedures for consumers affected by the Equifax Data Breach .

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