Consumer complaint received 2025-07-29 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: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington DC XXXX XXXX XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX ________________________________________ Formal Dispute and Demand for Removal of Unauthorized Hard Inquiries Under FCRA To Whom It XXXX Concern, I am formally disputing multiple unauthorized hard inquiries on my Experian credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, no entity may lawfully access a consumer 's credit file without their explicit written consent or a permissible purpose. 
After reviewing my credit file, I have found over XXXX hard inquiries that I did not authorize or initiate. These inquiries are damaging to my credit profile and were made without my knowledge or consent. A few of these include : XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry dateJul XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX As you are aware, under FCRA 604, a hard inquiry must be tied to a specific consumer-initiated transaction ( such as a credit application ), with written or verifiable authorization. If such authorization can not be produced, these inquiries are unauthorized and unlawful.

Under FCRA 611, I am demanding a full reinvestigation of each of these inquiries. If they can not be verified as authorized, you are legally obligated to remove them from my credit report within 30 days of receiving this letter. Furthermore, FCRA 623 requires that data furnishers report only accurate and verifiable information. If the inquiries can not be verified, they must be deleted.

Final Statement : I did not authorize any of these hard inquiries. The presence of over XXXX unauthorized entries is not lawfully correct and constitutes a direct violation of federal consumer protection law. If this issue is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's office. 
Enclosed are copies of the following for identity verification purposes : My government-issued photo ID XXXX Social Security XXXX XXXX expect written confirmation of the results of your investigation, and an updated copy of my credit report reflecting the removal of all unverified inquiries. 
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