Consumer complaint received 2025-06-10 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: MD

Complaint narrative:
I am writing to formally dispute multiple unauthorized inquiries on my credit report, which were made without my express consent or approval. These inquiries, which were neither authorized nor initiated by me, are clear violations of my rights under the Fair Credit Reporting Act ( FCRA ). I demand immediate removal of these unauthorized inquiries from my credit report. 

As you are aware, under 15 U.S.C. 1681c, a consumer reporting agency is prohibited from reporting any credit inquiries that are not the result of a legitimate business transaction or that do not meet the criteria for a permissible purpose under the FCRA. These inquiries were made without my knowledge or consent and do not meet the requirements for reporting. 

Please delete the following unauthorized inquiries from my credit report immediately : 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 XXXX XXXX XXXX These inquiries are directly linked to the NPD Breach, which compromised my personal information. As a direct result of this data breach, my sensitive information, including my Social Security number and other personal identifiers, was exposed to unauthorized third parties, increasing the risk of fraud. I filed a formal FTC Identity Theft Report due to these breaches, and as a victim of this data theft, I demand immediate correction of my credit report.

Under FCRA 605, I am entitled to a dispute process, and you are legally required to block unauthorized inquiries from my credit report. You are required to complete this process within 30 days of receiving my dispute. I also expect written confirmation from you stating that these inquiries have been deleted from my file. Failure to act will result in further legal actions. 

Supporting Documentation Enclosed : FTC Identity Theft Report Proof of Identity ( Government-issued ID and Social Security Card ) Proof of Address ( Utility Bill or Bank Statement ) Data Breach Documentation ( Screen capture showing compromised information ) FCRA 605B Block Unauthorized Inquiries Immediately As outlined in FCRA 605B, you are required to block fraudulent information, including unauthorized inquiries, from my credit file. I demand that you immediately delete these inquiries from my credit report or provide a detailed explanation of their origin and authorization. You must block or delete these inquiries within four business days under the law.

Failure to Comply Escalation If I do not receive a resolution within the time frame required by law, I will escalate this matter. I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities. I will also take legal action if necessary. 

What I Expect From TransUnion : DELETE unauthorized inquiries from my credit report within the next 30 days. 

Provide written confirmation that these inquiries have been deleted and explain any discrepancies. 

Disclose your method of verification for any inquiries that you claim to be authorized, providing the specific details as required by FCRA 611 ( a ) ( 7 ).

Your prompt attention to this matter will be appreciated. If this dispute is not resolved properly or in a timely manner, I will pursue all available legal avenues to ensure compliance with my rights. 

Sincerely,

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