Consumer complaint received 2025-03-07 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute several unauthorized inquiries on my credit report, which are the result of identity theft. I have attached the following documents to support my claim : A copy of my police report detailing the identity theft incident An Identity Theft Report A front and back copy of my government-issued ID I am requesting the immediate removal of the following fraudulent inquiries from my credit report : 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 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 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 XXXXXX/XX/XXXX I did not authorize any of these inquiries, and I am requesting their deletion under the Fair Credit Reporting Act ( FCRA ). Additionally, I am requesting a security freeze be placed on my credit report to prevent further fraudulent activity. 15 U.S. Code 1681c-2 Blocking of Information Resulting from Identity Theft Requires credit bureaus to block fraudulent information on your credit report once you provide proof of identity theft, such as a police report.

15 U.S. Code 1681i Procedure in Case of Disputed Accuracy Grants you the right to dispute inaccurate information ( including unauthorized hard inquiries ), and credit bureaus must investigate and correct or remove the errors within 30 days.

15 U.S. Code 1681c-1 Security Freezes Allows you to request a security freeze on your credit report, restricting access to your credit file to prevent further fraud.

15 U.S. Code 1681b Permissible Purposes of Consumer Reports Prohibits companies from obtaining your credit report with
out a valid reason ( like your consent ). Unauthorized inquiries violate this section.

15 U.S. Code 1681g Disclosure to Consumers Ensures you have the right to know whats in your credit file, including a list of companies that have accessed your report. 15 U.S. Code 1681n Civil Liability for Willful Noncompliance If a company knowingly violates your FCRA rights, you can sue for damages, legal fees, and punitive damages.

15 U.S. Code 1681q Obtaining Information Under False Pretenses Makes it illegal for a company to pull your credit report under false pretenses or without your authorization Please confirm the receipt of this request and inform me of any additional information needed to process these disputes. I appreciate your prompt attention to this urgent matter.

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