Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
I am submitting this complaint regarding unauthorized credit inquiries that have appeared on my consumer credit reports without my knowledge, consent, or any permissible purpose under the Fair Credit Reporting Act ( FCRA ). These inquiries are directly tied to the XXXX  XXXX XXXX, in which my personal information was exposed, putting me at heightened risk for identity theft and fraudulent use of my data. 

I have already filed a formal FTC Identity Theft Report ( FTC Report # XXXX ) and have attached supporting documentation, including government-issued ID, Social Security verification , and proof of residence. 

Unauthorized Inquiries in Question XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX Reported by : TransUnion ( Negative ) Not reported at all by XXXX or Experian Problem : Inconsistency across bureaus, no Method of Verification provided, no permissible purpose under FCRA 1681b. 

Reprise Financial/Webb Date of Inquiry : XX/XX/XXXX Reported by : Experian ( Negative ) Not reported by XXXX  or TransUnion Problem XXXX Inconsistency across bureaus, no Method of Verification provided, no permissible purpose under FCRA 1681b . 

These conflicting records between credit bureaus further prove that the inquiries were never lawfully verified, initiated, or authorized by me. 

Violations of the Fair Credit Reporting Act ( FCRA ) FCRA 1681b : No permissible purpose exists for these inquiries. 

FCRA 1681c : Prohibits reporting inquiries not tied to a legitimate business transaction.

FCRA 1681i : Bureaus have failed to provide a valid Method of Verification despite my disputes.

FCRA 605B : Requires blocking of fraudulent information within four business days once notified of identity theft. 

Actions Taken So Far Sent formal dispute letters to Experian and TransUnion ( dated XX/XX/XXXX ), demanding immediate removal of the unauthorized inquiries. 

Included supporting documents : FTC Identity Theft Report Proof of Identity ( ID + Social Security Card ) Proof of Address XXXX  XXXX XXXX documentation Clearly cited Metro 2 Compliance Standards, noting that failure to follow XXXX guidelines compromises the integrity of the credit data. 

Warned both bureaus that any failure to comply would result in escalation to the CFPB, FTC, and legal action. 

Current Status Despite my detailed disputes and legal references, the inquiries remain unresolved. Neither Experian nor TransUnion has provided written confirmation of deletion or adequate explanation supported by evidence. Their inaction constitutes willful noncompliance with consumer protection laws. 

Requested Resolution I respectfully request that the CFPB ensure : Immediate deletion of the unauthorized inquiries from all credit bureau files. 

Written confirmation from each bureau that the deletions have been made. 

A clear disclosure of the Method of Verification, if any bureau continues to claim the inquiries were authorized. 

Assurance of compliance with Metro 2 standards in all future reporting.

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