Consumer complaint received 2025-04-22 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: NY

Complaint narrative:
HARD INQUIRY DISPUTE EXPERIAN / TRANSUNION Subject : Dispute of Unauthorized Hard Inquiries Under FCRA To Whom It May Concern, I am writing to formally dispute multiple unauthorized hard inquiries listed on my credit report. These inquiries were made without my knowledge, consent, or any established business relationship and therefore, constitute violations of the Fair Credit Reporting Act ( FCRA ). 

Applicable Law FCRA 604 ( 15 U.S.C. 1681b ) Under FCRA 604, a company or creditor must have a permissible purpose to access a consumer 's credit report. Specifically, a hard inquiry may only be conducted when : The consumer has applied for credit, insurance, or employment, OR The user of the report has a legitimate business need in connection with a transaction initiated by the consumer I did not authorize any of the disputed inquiries, nor did I initiate any application or transaction that would grant these companies such access. 

My Demands : In compliance with FCRA 611 and 609 ( a ) ( 1 ), I am exercising my right to request the following : 1.Tangible proof that each company who made a hard inquiry had a valid and permissible purpose to do so.

2.A copy of any signed application or contract authorizing the inquiry.

3.Full Method of Verification ( MOV ) under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : Name and contact of the person or department who verified the inquiry Method and source used to verify the legitimacy of the inquiry If you are unable to provide this documentation or verification, you are legally obligated to remove these inquiries from my credit file. 

Inquiries Being Disputed TransUnion ( XXXX Inquiries ) ALLY XXXX XX/XX/XXXX COAF ( Capital XXXX Auto Finance ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX TD AUTO FIN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian ( XXXX Inquiries ) ALLY FINANCIAL XX/XX/XXXX CAPITAL XXXX AUTO FIN XX/XX/XXXX LEASE END XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Additional Information : I have filed an Identity Theft Report through the FTC and submitted a formal complaint to the CFPB regarding this matter. These unauthorized inquiries are damaging my credit standing and constitute a violation of my consumer rights under federal law. 

Resolution Requested : I request that all unauthorized or unverifiable inquiries be permanently deleted from my credit file within the timeframe required by the FCRA. If no proof is available, this constitutes an illegal access to my credit report, and immediate correction is warranted. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Av XXXX XXXX, XXXX, NY, XXXX XX/XX/XXXX XXXX XXXX XXXX Attachments : Copy of my government-issued ID Copy of FTC Identity Theft Report Highlighted copy of my credit report showing the inquiries

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