Consumer complaint received 2025-05-01 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: AZ

Complaint narrative:
dispute an unauthorized hard credit inquiry made by XXXX XXXX on XX/XX/year>2025. I did not apply for an auto loan, did not sign any application or consent form, and have never had any account or relationship with XXXX XXXX. Therefore, no valid authorization exists for this inquiry. Under the Uniform Commercial Code, a signature ( or authorization ) made without actual authority is an unauthorized signature. UCC 3-403 ( a ) provides that an unauthorized signature is ineffective. By analogy, any purported credit inquiry lacking my actual consent is equally invalid.

Furthermore, this credit inquiry lacks any permissible purpose under federal law. The Fair Credit Reporting Act ( FCRA ) at 15 USC 1681b ( a ) only allows a consumer report to be furnished under specific conditions. These include written instructions from the consumer or a credit transaction initiated by the consumer. I provided no written instructions to XXXX and did not initiate any transaction or request. As such, XXXX XXXX had no lawful reason to obtain my credit report. Any credit inquiry absent a permissible purpose violates FCRA 604 ( 15 U.S.C. 1681b ).

Because I have disputed the accuracy and authorization of this inquiry, FCRA mandates its deletion. Under 15 USC 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency must reinvestigate and delete any item disputed as inaccurate or unauthorized. Moreover, 15 USC 1681s-2 ( a ) ( 1 ) ( E ) requires furnishers, upon determining that disputed information is inaccurate or unverifiable, to promptly modify or delete that information. In this case, the inquiry is unverified and unsupported by any signed contract. I hereby demand that XXXX XXXX immediately instruct all credit bureaus to remove ( delete with prejudice ) the XX/XX/scrub>, 2025 hard inquiry from my credit files. 
The presence of this unauthorized inquiry has harmed me financially. It has negatively impacted my credit score and has already impeded my ability to obtain mortgage financing. Under 15 USC 1681n, willful noncompliance with FCRA can result in liability for actual and statutory damages ( between {$100.00} and {$1000.00} ) as well as punitive damages and attorneys fees. I request that XXXX XXXX acknowledge the credit harm caused by this unauthorized inquiry and provide appropriate compensation & correction. 
Please provide written confirmation that the inquiry has been removed from all of my credit reports. I demand that this dispute be treated seriously ; failure to comply will result in seeking help from regulatory authorities. I expressly reserve all rights and remedies under federal and state consumer protection laws ( including FCRA, UCC, and related statutes ) and will pursue every available legal remedy if this matter is not resolved promptly.

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