Consumer complaint received 2025-03-27 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: TX

Complaint narrative:
Subject : Pre-Litigation Dispute Regarding Unauthorized Inquiries Dear Experian Dispute Resolution Team, This letter serves as my formal pre-litigation dispute regarding several unauthorized inquiries on my credit report. These inquiries were made without my authorization, permissible purpose, or knowledge, in violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ). The FCRA mandates that credit inquiries be conducted only with explicit consumer consent or for a permissible purpose, and these conditions were not met in my case.

As an active-duty military member, I am entitled to enhanced protections under the Servicemembers Civil Relief Act ( SCRA ) ( 50 U.S.C. 3901 et seq. ), and I demand that Experian adhere to its obligations to ensure the accuracy and integrity of my credit report. 
Unauthorized Inquiries in Question XXXX. TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XX/XX/year> I request the immediate removal of these inquiries unless Experian can verify that : 1. Each entity had a permissible purpose as defined under 15 U.S.C. 1681b.

2. I provided explicit written authorization for these inquiries.

Steps Required to Resolve This Dispute 1. Acknowledge the Dispute ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Confirm receipt of my dispute within five business days.

2. Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Investigate each inquiry in question to confirm whether the inquiring entity had a permissible purpose under the FCRA.

Contact the entities listed above to obtain documentation of my explicit authorization for these inquiries.

3. Provide Documentation of Authorization ( 15 U.S.C. 1681b ) If any inquiries are verified, provide documentation proving : The inquiry was made with my explicit written consent.

The inquiring entity had a permissible purpose under the FCRA.

4. Remove Unauthorized Inquiries ( 15 U.S.C. 1681i ( a ) ( 5 ) ) Immediately delete any inquiries that can not be verified or lack proper documentation.

5. Notify Me of the Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Provide a detailed written summary of your reinvestigation, including the status of each inquiry and whether it was removed or verified.

6. Provide an Updated Credit Report ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ) ) If changes are made to my credit report, send me a free updated copy reflecting those changes.

7. Adhere to Legally Mandated Timelines ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Complete the reinvestigation and notify me of the results within 30 days ( or 45 days if I submit additional documentation ).

Additional Protections Under the Servicemembers Civil Relief Act ( SCRA ) As an active-duty servicemember, I am entitled to the following enhanced protections : 1. Increased Diligence in Verifications : Experian must exercise extra care in verifying inquiries to prevent fraudulent or improper reporting.

2. Prevention of Adverse Reporting : Unauthorized or inaccurate inquiries must not negatively impact my credit report or financial standing.

Pre-Litigation Notice Failure to resolve this dispute in compliance with the FCRA and SCRA will leave me with no choice but to pursue legal action for willful or negligent noncompliance under 15 U.S.C. 1681n and 15 U.S.C. 1681o, which includes seeking actual and punitive damages.

Request for Written Response I demand a non-automated, detailed written explanation of your findings. Generic responses or vague statements of verification will not satisfy the requirements under the FCRA.

I expect acknowledgment of this dispute within five business days and resolution within the legally mandated timeframe of 30 days. 
Sincerely, 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