Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
I am submitting a formal request for the investigation and deletion of multiple unauthorized inquiries reported on my Experian credit report. These inquiries were made without my knowledge, consent, or prior authorization. After contacting the listed creditors directly, they confirmed that they do not have any record of a credit application, verbal agreement, or signed authorization from me. Therefore, these inquiries lack a permissible purpose under the Fair Credit Reporting Act ( FCRA ). 
The following are the unauthorized inquiries I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries appear to have been verified automatically through e-OSCAR ( Electronic Online Solution for Complete and Accurate Reporting ). However, the Consumer Financial Protection Bureau ( CFPB ) has acknowledged that the e-OSCAR system has serious limitations, especially when the accuracy of credit data depends on original documentation, not just automated responses. 
For that reason, I am requesting a manual reinvestigation by Experian, and full verification through supporting documentation that proves I initiated or authorized each of the inquiries listed above. 
Additionally, under my rights granted by the FCRA, I am formally requesting copies of any original signed applications, consent forms, or recorded verbal agreements used to justify these inquiries. If Experian and the data furnishers can not produce such documentation, the inquiries must be deleted immediately. 
Legal Basis Under the FCRA : 1.15 U.S.C. 1681b ( Section 604 ) Permissible Purpose : These inquiries were not based on a valid business need or consumer-initiated request.

2.15 U.S.C. 1681i ( a ) ( 5 ) ( Section 611 ) Unverifiable Information : The FCRA requires deletion of unverifiable data from consumer reports. 
3.15 U.S.C. 1681g ( Section 609 ) Right to Access and Verification : I am entitled to view the original authorization supporting each inquiry.

4.15 U.S.C. 1681s-2 ( Section 623 ) Duties of Furnishers : The furnishers failed to ensure that the reported information is accurate and legally permissible.

5.15 U.S.C. 1681c-1 ( Section 605A ) Identity Theft Protections : If unauthorized, these inquiries may fall under protections related to identity misuse. 
Relevant Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Accessing a credit report without a legitimate purpose or consumer authorization constitutes a clear FCRA violation. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : Reinforces the requirement of a permissible purpose and consumer-initiated transaction for any inquiry. 
This pattern of unauthorized access constitutes a serious violation of my consumer rights, and I am requesting the CFPB to intervene and require Experian to perform a full reinvestigation and permanently delete these inquiries from my credit file.

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