Consumer complaint received 2025-06-14 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: VA

Complaint narrative:
To Whom It XXXX Concern, I am writing to file a formal complaint regarding multiple unauthorized XXXX inquiries that have been reported on my credit file without my knowledge, consent, or permissible purpose as defined by the Fair Credit Reporting Act ( FCRA ). These inquiries have XXXX affected my XXXX XXXX and overall creditworthiness and were not initiated by me in any manner. 
I have never applied for credit or authorized the following institutions to pull my credit report : XXXX. XXXX XXXX Date : XX/XX/year> Issue : Unauthorized inquiry Violation : This institution has no permissible purpose to access my credit file. Per XXXX XXXX XXXX XXXX ( f ), accessing a consumer report without a permissible purpose is strictly prohibited. This action was done without my written consent or application for credit. 
XXXX. XXXX CA Inquiry Date : XX/XX/year> Issue : Unauthorized inquiry Violation : This inquiry was conducted without my authorization, which is a violation of XXXX XXXX Code XXXX ( c ) and XXXX ( f ). I have never had a relationship with this entity nor provided consent for a credit pull. 
XXXX. XXXX  Inquiry Date : XX/XX/year> Issue : Unauthorized inquiry Violation : I did not apply for any loan or financial product from XXXX. Under FCRA XXXX ( XXXX XXXX. XXXX ), furnishers must have a legitimate, permissible purpose to access a consumers credit file. This was done without proper cause. 
XXXX XXXX XXXX Inquiry Date : XX/XX/year> Issue : Unauthorized inquiry Violation : I did not authorize this inquiry. This credit pull violates FCRA XXXX ( a ) ( XXXX ) as there was no application or transaction initiated by me that would justify access to my credit file. 
XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> Issue : Unauthorized inquiry Violation : I have no affiliation with XXXX XXXX XXXX XXXX. This inquiry is unlawful under FCRA XXXX ( a ) and XXXX. Accessing a report without consent is a violation of consumer privacy rights. 
XXXX. XXXX Inquiry Date : XX/XX/year> Issue : Unauthorized inquiry Violation : I did not request any credit from XXXX. This is a violation of XXXX XXXX. XXXX and demonstrates failure to ensure a permissible purpose before pulling consumer data. 
Summary of Violations : All of the above inquiries have been reported without any permissible purpose or consumer authorization. These actions violate the following sections of the FCRA : XXXX XXXX. XXXX ( f ) Prohibits the use of a consumer report without a permissible purpose. 
XXXX XXXX. XXXX ( c ) Regulates access to credit reports for promotional purposes and requires consumer opt-in. 
XXXX XXXX. XXXX Failure of credit bureaus to conduct a proper reinvestigation after dispute. 
XXXX XXXX. XXXX and XXXX Civil liability for willful and negligent noncompliance. 
Requested Relief : XXXX. XXXX removal of the above unauthorized inquiries from all major credit reporting agencies ( Experian, Equifax, and TransUnion ). 
XXXX. Written confirmation from each CRA that the inquiries have been deleted. 
XXXX. Enforcement actions or penalties against the institutions found to have accessed my credit without a permissible purpose. 
XXXX. Monitoring to ensure no further unauthorized access occurs in the future. 
I am providing this information in good faith and request the Consumer Financial Protection Bureau to investigate this matter promptly.

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