Consumer complaint received 2025-08-29 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: TN

Complaint narrative:
TO : XXXX, XXXX, and Experian Credit Bureaus RE : Formal Dispute of Unauthorized and Duplicate Credit Inquiries PERSONAL IDENTIFICATION INFORMATION Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX XXXX XXXXXXXX DISPUTE REQUEST I am writing to formally dispute multiple unauthorized, duplicate, and improperly reported credit inquiries appearing on my credit reports from all three bureaus. 
I am requesting immediate investigation and removal of the following inquiries under the Fair Credit Reporting Act ( FCRA ). 
CATEGORY 1 : DUPLICATE INQUIRIES ACROSS ALL BUREAUS XXXX  XXXX Duplicates - XX/XX/XXXX : - XXXX  : XXXX XXXX - XXXX  : XXXX XXXX XXXX  XXXX - Experian : XXXX XXXX XXXX  XXXX  XXXX Duplicates - XX/XX/XXXX : - XXXX  : XXXX XXXX - XXXX  : XXXX XXXX XXXX  XXXX - Experian : XXXX XXXX XXXX  DISPUTE BASIS : These represent duplicate reporting of the same credit application across multiple bureaus. A single credit application should not generate multiple inquiries on the same date. This violates FCRA accuracy requirements and artificially inflates my inquiry count. 

CATEGORY 2 : UNAUTHORIZED XXXX XXXX XXXX - XX/XX/XXXX XXXX  XX/XX/XXXX Inquiries : - XXXX  ( XX/XX/XXXX ) - XXXX  ( XX/XX/XXXX ) - XXXX  XXXX  ( XX/XX/XXXX ) - XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  XX/XX/XXXX Inquiries : - XXXX XXXX XXXX  ( XX/XX/XXXX ) - XXXX  XXXX VIA DEALER ( XX/XX/XXXX ) - XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXX ( XX/XX/XXXX ) Experian XX/XX/XXXX Inquiries : - XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) - XXXX XXXX  ( XX/XX/XXXX ) - XXXX XXXX XXXX XXXX XX/XX/XXXX ) - XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXX XXXX XX/XX/XXXX ) - XXXX XXXX XXXX  ( XX/XX/XXXX ) - XXXX  ( XX/XX/XXXX ) - XXXX XXXX ( XX/XX/XXXX ) DISPUTE BASIS : This excessive cluster of 17+ auto-related inquiries within a 5-day period ( XXXX XXXX XXXX ) is highly suspicious and likely represents unauthorized activity. I did not authorize this volume of credit applications in such a short timeframe. Many of these companies appear to be subprime lenders that I would not have approached. I request immediate investigation and removal of all unauthorized inquiries from this period. 


CATEGORY 3 : UNAUTHORIZED INQUIRIES XXXX XXXX ( Experian - XX/XX/XXXX ) : DISPUTE BASIS : I did not authorize this payday loan inquiry. I have never applied for services with XXXX XXXX and do not engage with payday lending companies. 
XXXX ( XXXX  - XX/XX/XXXX ) : DISPUTE BASIS : I do not recognize this creditor and did not authorize this inquiry. Please provide documentation proving I authorized this credit check. 


CATEGORY 4 : EXCESSIVE DUPLICATE INQUIRIES FROM SAME COMPANIES XXXX XXXX Multiple Inquiries : - XXXX  : XX/XX/XXXX & XX/XX/XXXX - Experian : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX  Inquiries ( Experian  ) : - XX/XX/XXXX & XX/XX/XXXX DISPUTE BASIS : Multiple inquiries from the same lender within short timeframes suggest either unauthorized activity or improper reporting practices. 
A legitimate credit application should not generate multiple hard inquiries from the same lender.

2 LEGAL BASIS FOR DISPUTE Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : 1. Section 611 ( a ) ( 1 ) ( A ) - I have the right to dispute incomplete or inaccurate information 2. Section 623 ( b ) - Furnishers must investigate disputed information 3. Section 611 ( a ) ( 5 ) ( A ) - You must complete investigation within 30 days 4. Section 611 ( c ) - Disputed information must be deleted if unverifiable REQUESTED ACTIONS 1. IMMEDIATE INVESTIGATION of all disputed inquiries listed above 2. REMOVAL of all unauthorized, duplicate, and unverifiable inquiries 3. UPDATED CREDIT REPORTS reflecting all deletions 4. WRITTEN CONFIRMATION of all changes made to my credit file 5. DOCUMENTATION proving authorization for any inquiries you choose to maintain SUPPORTING DOCUMENTATION I have maintained detailed records of my authorized credit applications. The volume and pattern of inquiries listed above do not match my actual creditseeking behavior, particularly the XX/XX/XXXX cluster and duplicate XXXX  XXXX entries. 


CONCLUSION The inquiries listed in this dispute letter are either unauthorized, duplicated, or improperly reported. Their presence on my credit reports violates FCRA accuracy standards and negatively impacts my credit profile. I expect full compliance with FCRA investigation requirements and prompt removal of all disputed items.

Please provide written confirmation of your investigation results and any changes made to my credit file within the required 30-day timeframe. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX Date : XX/XX/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