Consumer complaint received 2025-02-05 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:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Experian Information Services XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I am writing to formally dispute an inquiry that appears on my credit report, which I believe is a violation of 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ). This law explicitly outlines the permissible purposes for accessing a consumer 's credit report. Any inquiry made without my explicit authorization or a permissible purpose under this statute must be removed immediately to protect my rights as a consumer. 

Upon reviewing my credit report, I noticed the following unauthorized inquiry : [ Name of the Company ] Date of Inquiry According to 15 U.S.C. 1681b, a credit inquiry can only be made under specific conditions, such as when I have applied for credit, given explicit consent, or for certain legally defined purposes. Since I have not authorized this inquiry, it is an unauthorized access to my credit information and must be removed from my report.

Additionally, this unauthorized inquiry violates several other federal consumer protection laws, including : 15 U.S. Code 6801 : Protection of personal information 15 U.S. Code 6802 : Obligations regarding disclosure of personal information 15 U.S. Code 6803 : Disclosure of privacy policies 15 U.S. Code 1681e ( b ) : Accuracy of credit reports 15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports 18 U.S. Code 1028A : Aggravated identity theft I kindly request that you investigate this matter and remove the unauthorized inquiry from my credit report. I have attached a copy of my photo ID and proof of address for verification purposes. Once the correction has been made, please send me an updated copy of my credit report. 

Thank you for your prompt attention to this serious matter. I look forward to your response and a corrected credit report. 

Sincerely, XXXX XXXX XXXX 15 U.S.C. 1681b Permissible Purposes of Consumer Reports This law regulates the specific circumstances under which a credit reporting agency may provide a consumer report to third parties. According to this law, a credit report can only be accessed under the following circumstances : By court order : When a court issues a formal order. 
With consumer consent : The report can only be issued if the consumer has given explicit authorization. 
Credit evaluation or service request : If the consumer applies for credit, a loan, or a credit-related service. 
Employment purposes : To verify a consumers eligibility for employment, provided prior authorization is obtained. 
Insurance transactions : When the report is necessary for underwriting insurance policies. 
Review of existing accounts : By creditors to review an existing credit account. 
Important : If a third party accesses a credit report without the consumers consent or without a permissible purpose under the law, such access is considered a violation of federal law, and the consumer has the right to request the removal of the record and take legal action if necessary.

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