Consumer complaint received 2024-11-07 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Urgent Request for Removal of Unauthorized Inquiries from My Experian Credit Report Dear Sir/Madam, I am writing to file a formal complaint regarding multiple unauthorized inquiries listed on my Experian credit report. These inquiries, which I did not authorize, are negatively impacting my credit score and financial well-being. I respectfully request the immediate removal of these inquiries from my credit report, as I believe they were made without my consent, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. 

Below is a detailed list of the inquiries in question : Inquiry # XXXX Company/Entity XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Reason for Concern : I did not apply for credit with this company and did not authorize this inquiry. 

Inquiry # XXXX Company/Entity : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Date : XXXX XXXX Reason for Concern : I do not recognize this company and did not provide authorization for this credit inquiry. 

Inquiry # XXXX Company/Entity : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Reason for Concern : I did not apply for credit with XXXX XXXX XXXX XXXX XXXX did I authorize them to pull my credit report. 

Inquiry # XXXX Company/Entity : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Removal Date : XXXX XXXX Reason for Concern : I did not authorize this inquiry and have no recollection of applying for credit with this company. 

Inquiry # XXXX Company/Entity : XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX Removal Date : XXXX XXXX Reason for Concern : I have not authorized any credit inquiries with this company. 

Inquiry # XXXX Company/Entity : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Removal Date : XXXX XXXX Reason for Concern : I did not apply for any credit with XXXX XXXX XXXX and XXXX not authorize this inquiry. 

Inquiry # XXXX Company/Entity : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Removal Date : XXXX XXXX Reason for Concern : I did not provide permission for this credit inquiry to be made. 

Inquiry # XXXX Company/Entity : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Removal Date : XXXX XXXX Reason for Concern : I have not authorized XXXX XXXX XXXX XXXX XXXX this credit inquiry. 

Inquiry # XXXX Company/Entity : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Removal Date : XXXX XXXX Reason for Concern : This credit inquiry was made without my consent. 

Inquiry # XXXX Company/Entity : XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Removal Date : XXXX XXXX Reason for Concern : I did not authorize this inquiry and do not recall any engagement with this company. 

Inquiry # XXXX Company/Entity : XXXX XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX Removal Date : XX/XX/XXXX Reason for Concern : I did not apply for credit with XXXX XXXX XXXX XXXX and XXXX not authorize this inquiry. 

Inquiry # XXXX Company/Entity : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal Date : XXXX XXXX Reason for Concern : This inquiry was made without my consent, and I have no record of applying for credit with XXXX XXXX XXXX XXXX 

Inquiry # XXXX Company/Entity : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX Reason for Concern : I did not provide authorization for this credit inquiry and have no recollection of initiating any credit request with XXXX or First Help XXXX. 

These unauthorized inquiries are having a significant and negative impact on my XXXX XXXX and financial standing. I respectfully remind you that under 15 U.S.C. 1681b, a consumer 's credit report may only be accessed with written consent or under specific conditions, and I did not provide consent for the inquiries listed above.

Additionally, 15 U.S.C. 1681i outlines my right to dispute inaccuracies on my credit report and requires credit reporting agencies to investigate such disputes within a reasonable time. As I have already disputed these inquiries with Experian without receiving a satisfactory resolution, I am requesting that the CFPB assist in ensuring these inquiries are immediately removed from my credit report. 

For your reference, I have attached a copy of my most recent Experian credit report, with the disputed inquiries clearly highlighted. I have also included any relevant correspondence with Experian related to this dispute. 

I request that you investigate these unauthorized inquiries and ensure their removal in accordance with 15 U.S.C. 1681b and 1681i. Please advise me of any additional steps I need to take or further documentation required for your investigation. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue as soon as possible. 

Sincerely, XXXX XXXX [ Your Signature ( if submitting by mail ) ]

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