Consumer complaint received 2025-03-25 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: WI

Complaint narrative:
I am writing to dispute the unauthorized inquiries that have appeared on my credit report from Equifax. According to the Fair Debt Collection Practices Act ( 15 USC 1692 ), I have the right to dispute any inaccurate or unauthorized information on my credit report. 

The following inquiries have been listed on my credit report without my consent : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX via Dealer on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. Equifax Inc on XX/XX/XXXX XXXX XXXX XXXX XXXX on various dates in XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX XXXX. Equifax Information Services LLC on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX  XXXX XXXX on XX/XX/XXXX I am writing to dispute and challenge the accuracy of the items and inquiries on my credit report that have been reported by your agency. The items listed below have been inaccurately reported and have not been authorized by me, causing significant distress and hindrance in my financial well-being and overall quality of life. 

The following inquiries have been made without my consent or authorization, thereby violating my rights under consumer laws such as the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ), among others : XXXX. XXXX XXXX XXXX - Date of request XX/XX/XXXX XXXX. XXXX  - Date of request ( XXXX ) XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date of request ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX - Date of request ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXX - Date of request ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date of request ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXX - Date of request ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXX - Date of request ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - Date of request ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Date of request ( XXXX ) XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date of request ( XXXX ) XX/XX/XXXX XXXX. XXXX - Date of request ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date of request ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX - Multiple unauthorized requests on various dates between XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX, XX/XX/XXXX XXXX. EXPERIAN - Multiple unauthorized requests on various dates between XX/XX/XXXX to XX/XX/XXXX XXXX. EXPERIAN XXXX - Multiple unauthorized requests on various dates between XX/XX/XXXX to XX/XX/XXXX XXXX. XXXX  XXXX XXXX - Date of request ( XXXX ) XX/XX/XXXX XXXX. XXXX - Multiple unauthorized requests on various dates between XX/XX/XXXX to XX/XX/XXXX XXXX. XXXX XXXX XXXX - Multiple unauthorized requests on various dates between XX/XX/XXXX to XX/XX/XXXX XXXX. XXXX XXXX - Date of request ( XXXX ) XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX - Date of request ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXX  XXXX - Date of request ( XXXX ) XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX  - Date of request ( XXXX ) XX/XX/XXXX, XX/XX/XXXX These inaccuracies and unauthorized inquiries are oppressing me and severely impacting my ability to lead a quality life. I demand that these items be removed immediately from my credit report as they are erroneous and have been reported without my permission. 
I expect a prompt investigation into this matter and a resolution that is compliant with the laws protecting my consumer rights. 





I am writing to dispute the unauthorized inquiries and delinquent collections accounts on my credit report that are inaccurate and do not belong to me. These accounts and inquiries are not only false, but they are also violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I have identified the following accounts and inquiries on my credit report that I am disputing : 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 via Dealer XXXX XXXX  XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have also attached a list of unauthorized inquiries made to my credit report that are not initiated by me.

These erroneous entries are putting me in financial distress and preventing me from living a quality life. The continued presence of these inaccurate accounts and inquiries on my credit report is suppressing and oppressing me unfairly.

I request that these illegal inaccuracies be removed from my credit report expeditiously to comply with the provisions of the FCRA. As per USC 15 1692 & 1681, I request that you investigate these disputed accounts and inquiries and provide me with a written response within 30 days as per the FCRA guidelines.

Please send me a written confirmation once these inaccurate accounts and inquiries have been removed from my credit report.

As per the provided information, it is evident that there have been multiple unauthorized inquiries made into my credit report. These inquiries are affecting my credit score and financial credibility, despite the fact that I did not authorize or initiate them.

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