Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am the victim of identity theft, and I am disputing the following unauthorized hard credit inquiries that appear on my credit report. I did NOT authorize these businesses to pull my credit, and I did not apply for credit, loans, or financing with them. 

Unauthorized Hard Inquiries ( Listed exactly as they appear on credit reports ) XXXX XXXX XX/XX/year> XXXX XXXX OF GL XX/XX/year> Automotive XXXX XXXX XXXX XX/XX/year> Finance/Personal XXXX AUTO XX/XX/year> Banks XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Automotive XXXX XX/XX/year> XXXX XXXX XX/XX/year> Finance/Personal XXXX OF XXXX XX/XX/year> Automotive XXXX XXXX XX/XX/year> XXXX FCRA DISPUTE CODES + EXPLANATIONS Below are the codes used by credit bureaus with the full meaning of each code, which strengthens your dispute : 1. Fraud Code : No Permissible Purpose ( FCRA 604 ) Meaning : A company must have a legal reason ( permissible purpose ) to pull your credit. 
You did not authorize any of these companies, so they had no permissible purpose. 

2. Code 13 ID Theft / Not Mine Meaning : Used when an inquiry is the result of identity theft.

Credit bureaus use this code to trigger identity-theft-specific handling.

3. Code 112 Unauthorized Inquiry Meaning : The creditor accessed your credit without your consent, which is illegal.

4. FCRA 605B Blocking of Information from Identity Theft Meaning : Once you notify the bureau that an item resulted from identity theft, the credit bureau must block the item within 4 business days. 

5. FCRA 611 Right to Dispute Inaccurate Information Meaning : Any item that you dispute as inaccurate, fraudulent, or unauthorized must be corrected or deleted.

6. FCRA 602A Protection of Consumer Privacy Meaning : Your personal information must be protected from improper access or misuse.

7. Fraud Alert Code Initial Fraud Alert Requested Meaning : Indicates you have placed a fraud alert or are requesting one due to identity theft.

8. Reason Code : IDT-INV Identity Theft Investigation Required Meaning : Tells the bureau an identity theft investigation is mandatory.

9. Reason Code : PRM-VIO Permissible Purpose Violation Meaning : The company violated FCRA by pulling your credit without legal justification.

OFFICIAL STATEMENT I am invoking FCRA 604, 605B, and 611 to dispute and demand the removal of the above hard inquiries. These inquiries were not authorized by me, were made without a permissible purpose, and are the result of identity theft. 

Because these inquiries were made fraudulently, they must be : Removed ( deleted ) immediately Blocked from reappearing Not verified through the fraudulent creditors ( per FCRA rules ) I request written confirmation of the removal. 

STATEMENT OF TRUTH I declare that the information I have provided is true, accurate, and related to an identity theft incident.

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