Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Notice to Agent is Notice to Principal ; Notice to Principal is Notice to Agent.

I am writing to file a formal complaint and dispute regarding unauthorized inquiries appearing on my consumer credit reports maintained by TransUnion, Experian, and XXXX. I am submitting this through the CFPB portal to ensure all three credit reporting agencies ( CRAs ) are notified and required to investigate and resolve this matter promptly. Upon reviewing my credit report dated XX/XX/year>, I discovered multiple inquiries that I did not authorize or initiate. These inquiries are not linked to any open accounts on my report and lack a permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The FCRA, specifically 15 U.S.C. 1681b, prohibits CRAs from furnishing consumer reports without a permissible purpose, such as a credit transaction initiated by the consumer. According to 15 U.S.C. 1681b ( a ) ( 2 ), a consumer report may not be procured for employment purposes unless there is clear and conspicuous disclosure and written authorization from the consumer. I did not provide such authorization for these inquiries, and they do not correspond to any applications for credit or services that resulted in an open account. If these inquiries have been " verified, '' please provide proof of permissible purpose, including documentation demonstrating my authorization or initiation. Failure to do so may constitute a violation of the FCRA, potentially leading to damages under 15 U.S.C. 1681n ( willful noncompliance ) or 1681o ( negligent noncompliance ).

Under 15 U.S.C. 1681i, the CRAs have a duty to conduct a reasonable reinvestigation of disputed information within 30 days. Additionally, per 15 U.S.C. 1681s-2 ( a ), furnishers of information must not report inaccurate data, and CRAs must ensure the accuracy and completeness of reports. As outlined in 15 U.S.C. 1681g ( a ) ( 5 ), consumers are entitled to disclosure of all inquiries received by the agency in the preceding year that were not initiated by the consumer. These inquiries appear fraudulent or unauthorized, and I demand they be blocked and deleted as inaccurate or unverifiable.

Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information to a CRA if they have been notified by the consumer that the information is inaccurate and it is, in fact, inaccurate. I am hereby notifying all parties that these inquiries are inaccurate and must be removed.

The unauthorized inquiries to be removed are as follows, grouped by credit bureau : TransUnion Inquiries : XXXX ( XX/XX/year> ) XXXX  XXXX ( XX/XX/year> ) XXXX  ( XX/XX/year> ) Experian Inquiries : XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) XXXX  XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX XXXX ( XX/XX/year> ) XXXX  Inquiries : XXXX XXXX XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX  ( XX/XX/year> ) XXXX  XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) I kindly request that each CRA take immediate action to investigate and remove these unauthorized inquiries from my credit reports. Once the necessary updates are made, please provide me with updated copies of my credit reports reflecting these changes. It is imperative that my reports accurately reflect my credit information in accordance with the FCRA. I am not requesting validation or verification under the Fair Debt Collection Practices Act, but rather a reinvestigation under the FCRA. 
I trust that the CFPB will ensure compliance and that this matter will be handled with the utmost urgency to protect my rights as a consumer. Should additional information be required, please contact me at the details provided above. 
Thank you for your immediate attention to this matter. 
Sincerely, 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