Consumer complaint received 2025-06-14 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint against several unauthorized and unverified hard inquiries that have been reported on my credit file without my knowledge or consent. These inquiries are adversely affecting my credit score, reputation, and financial opportunities. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( c ) and 1681b ( f ), a consumer reporting agency may only furnish a consumer report for a permissible purpose. I have not provided written authorization nor initiated any transactions that would lawfully permit these companies to perform hard inquiries into my credit file.

Despite my repeated efforts to obtain verification and dispute these inquiries, the reporting has continued, and no proof of permissible purpose has been provided. 
Below is the list of inquiries that I am disputing : Inquiries Without My Authorization : XXXXXXXX XXXX XXXXXX/XX/XXXX No application or authorization provided to this company. 
FCRA 604 ( a ) ( 3 ) ( A ) ; 604 ( f ) violation. 
XXXXXXXX XXXX XXXXXX/XX/XXXX Duplicate inquiry from same dealership network on same day. 
Possible FCRA 604 ( c ) violation. 
XXXX XXXX XXXXXX/XX/XXXX Never applied for credit or financing with this entity. 
FCRA 604 ( a ) ( 3 ) ( A ) XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Three inquiries from same group/dealer on same date. These are excessive and suspicious.

Violates FCRA 604 ( a ) and may constitute consumer harassment. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Unsolicited inquiries I never consented to any XXXX or XXXX auto loans. 
FCRA 604 ( f ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries associated with auto lenders again, no applications or loan requests were made. 
FCRA 604 ( a ) ( 3 ) ( A ) XXXX XXXX XX/XX/XXXX Never applied for any XXXX financing ; this appears to be identity misuse. 
FCRA 604 ( f ) violation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 4 hard pulls in a single day without my approval clear overreach and possible fraud. 
FCRA 604 ( c ) and 604 ( a ) ( 3 ) ( A ) XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Back-to-back inquiries with no consent given or relationship with these companies. 
FCRA 604 ( a ) XXXX XXXXXX/XX/XXXX Did not initiate any request for credit with XXXX XXXX at this time. 
FCRA 604 ( f ) XXXX XXXX XXXXXX/XX/XXXX No prior relationship ; no loan request initiated. 
FCRA 604 ( a ) ( 3 ) ( A ) XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Two duplicate inquiries from same dealership ; unnecessary and harmful. 
FCRA 604 ( c ) Laws Violated : FCRA 604 ( a ) Permissible purposes for obtaining consumer reports FCRA 604 ( f ) Prohibits obtaining reports under false pretenses FCRA 616 & 617 Civil liability for willful or negligent noncompliance FCRA 609 ( a ) ( 1 ) Right to full disclosure and source of all inquiries Request for Resolution : I am requesting the Consumer Financial Protection Bureau to investigate these unauthorized inquiries and compel the following : 1. Immediate removal of all listed inquiries from my credit reports across Experian, Equifax, and TransUnion.

2. A thorough investigation into the source and purpose of each inquiry.

3. Proof of permissible purpose from each company under 15 U.S. Code 1681b. 
4. Penalties or corrective actions for any entity found to have pulled my credit unlawfully. 
These hard inquiries are causing unwarranted damage to my credit profile and have put me at risk for further identity compromise. I respectfully urge the CFPB to take appropriate enforcement action in this 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