Consumer complaint received 2025-10-07 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Unauthorized Hard Inquiries Identity Theft and Lack of Permissible Purpose Dear Credit Bureau Compliance Department, I am writing to formally dispute the unauthorized hard inquiries appearing on my credit reports. Under the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681b no entity is permitted to access or pull my consumer credit report without my written authorization or a legally defined permissible purpose.

Upon reviewing my most recent credit reports, I discovered several inquiries that I did not authorize or consent to. These inquiries are directly affecting my credit standing and are considered unauthorized access to my consumer file in violation of the FCRA and 15 U.S.C. 1681n, which provides for civil liability for willful noncompliance.

Below are the unauthorized inquiries to be immediately removed : From my Equifax Report ( dated XX/XX/XXXX ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX From my TransUnion Report ( dated XX/XX/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 These inquiries were not authorized, no credit was extended, and no permissible purpose existed under the FCRA. Therefore, these entries constitute a violation of my consumer rights. Furthermore, I have reason to believe these inquiries may be related to fraudulent or unauthorized activity and must be treated as such.

In accordance with 15 U.S.C. 1681i ( a ), you are required to conduct a proper reinvestigation of these disputed inquiries within 4 business days of receiving this notice. If you are unable to provide written proof of my authorization, I demand that you immediately delete these inquiries from my credit file.

Be advised that failure to comply with federal law will leave me no choice but to pursue further action, including arbitration or a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office, as well as potential civil litigation for damages under 15 U.S.C. 1681n and 1681o.

Under UCC 1-308, I reserve all rights without prejudice.

Please confirm in writing that these inquiries have been deleted from my reports at all three bureaus. I have enclosed copies of my identification, recent credit reports showing the inquiries, and a copy of this dispute letter for your records. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Without Prejudice

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