Consumer complaint received 2025-11-13 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: MD

Complaint narrative:
I am filing this complaint for multiple unauthorized hard inquiries that appeared on my credit report without my consent or permissible purpose as required by the Fair Credit Reporting Act ( FCRA 604 ( a ) ( 3 ) ). These items have damaged my credit score and violated my consumer rights. I request immediate investigation and permanent removal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$360.00} Late Payment This account is being reported with late payments that I have disputed multiple times. Under FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( A ), I have the right to request and obtain verification of the accuracy of this data, which your agency has failed to provide. Continued reporting of late payments without verifiable records of delinquency is a clear violation of FCRA 623 ( a ) ( XXXX ) ( A ). The information furnished by XXXX XXXX is not complete or verified through acceptable documentation, and therefore, it must be removed from my file immediately to prevent further damage to my credit standing. 

XXXX XXXX XX/XX/XXXX This inquiry was conducted without my authorization or any permissible purpose as defined in FCRA 604 ( a ) ( 3 ). I did not apply for any credit or authorize this entity to access my report. Reporting or maintaining this inquiry violates FCRA 604 ( f ) and 607 ( a ), as no permissible purpose has been proven. You are required to delete this inquiry immediately since no signed authorization or legitimate credit application exists. 

XXXX XXXX XX/XX/XXXX This unauthorized inquiry was made without any permissible purpose or consent. Under FCRA 604 ( a ) and 615 ( b ) ( 1 ), any inquiry performed without explicit authorization must be removed immediately. No records have been provided proving a legitimate request for credit, which violates FCRA 604 ( f ) and FDCPA 807 ( 8 ). 

XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was made without my approval and violates FCRA 604 ( a ) ( 3 ). Your agency must provide documentation that shows I initiated or authorized this credit check. Since you have failed to verify such authorization in previous investigations, this item must be permanently deleted. 

XXXX XXXX XX/XX/XXXX This inquiry remains unverified and unauthorized. Under FCRA 607 ( b ), all information reported must be verified for accuracy. Since there is no record of a credit application initiated by me, this inquiry should be deleted immediately for noncompliance with federal law. 

XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiries made without my consent violate FCRA 604 ( a ) ( 3 ) and 605B. I have no connection with this lender or any associated application. Continuing to display this inquiry without proof of permissible purpose is a violation of FCRA 607 ( a ). Delete this immediately. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX This is an unauthorized inquiry, and no documentation has been provided to support its legitimacy. As per FCRA 604 ( a ) ( 3 ) and 609 ( a ) ( 1 ), I have the right to full disclosure of permissible purpose, and since no proof exists, it must be deleted. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has been reported without my consent and is in violation of FCRA 604 ( a ) ( 3 ). No permissible purpose or application exists. Failure to remove this unauthorized access constitutes willful violation of FCRA 616. 

XXXX XXXX XX/XX/XXXX Duplicate and unauthorized inquiry with no proof of authorization. Continued reporting violates FCRA 607 ( b ) and 604 ( f ). Immediate deletion is required. 

XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX authorization or permissible purpose was given for this inquiry. Maintaining such inaccurate information violates FCRA 604 ( a ) ( 3 ) and 607 ( b ). This entry must be deleted. 

XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was made without consent or credit application. Your agency is in violation of FCRA 604 ( a ) ( 3 ) and 611 ( a ) ( 1 ) ( A ) for failing to verify its legitimacy after multiple disputes. Immediate deletion is demanded. 

XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry remains with no proof of permissible purpose. FCRA 604 ( a ) ( 3 ) and 616 are being violated as the bureau continues to publish unverifiable data. Remove this immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX  This is another unauthorized access. There is no record of an application or authorization provided. Under FCRA 604 ( a ) ( 3 ) and 609 ( a ) ( 1 ), this inquiry must be deleted as it violates consumer rights regarding permissible purpose. 

XXXX XXXX XX/XX/XXXX Unauthorized inquiry with no permissible purpose. Under FCRA 604 ( f ) and 611 ( a ) ( 1 ) ( A ), failure to verify or remove such inquiries is a direct violation of federal law. Delete this item immediately. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry remains reported. No application or authorization exists, and failure to remove it is a violation of FCRA 604 ( a ) ( 3 ) and 607 ( b ). Delete immediately. 

XXXX XXXX XXXX XX/XX/XXXX This is an unauthorized inquiry reported in error. Since you have failed to provide proof of authorization, it is a violation of FCRA 604 ( f ) and 611 ( a ) ( 1 ) ( A ). Remove it immediately. 

XXXXXXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry without permissible purpose under FCRA 604 ( a ) ( 3 ). Repeated reinvestigations have shown no documentation to validate this entry. Immediate removal is required. 

These items were done without my consent and violate multiple FCRA provisions. I request that CFPB investigate these companies and ensure full removal from my credit report.

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