Consumer complaint received 2025-01-31 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: TN

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations. I am formally disputing the following unauthorized hard inquiries on my credit report and demanding their immediate removal under the Fair Credit Reporting Act ( FCRA ) : These inquiries were made without my authorization, and as such, they are violations of my rights under federal law. I demand that they be removed within 7 days of receiving this letter, in accordance with the FCRA provisions outlined below : Under Section 605B, if information on my credit report is the result of fraud or identity theft, I have the right to request its removal by providing appropriate documentation. Since I did not authorize these inquiries, they are fraudulent, and you are required to block and remove them from my credit file immediately.

Under 15 U.S.C. 1681n ( b ) ( B ), willful noncompliance with the FCRA entitles me to actual damages, statutory damages, and punitive damages, as well as attorneys fees. If these unauthorized inquiries are not removed within the legally required timeframe, I will pursue all available legal remedies.

This section states that negative information must be removed from credit reports within the legally mandated period. Since these hard inquiries were not authorized by me, they are invalid and must be removed immediately, as they are negatively affecting my credit profile.

I also demand, under FCRA Section 1681g ( a ) ( 5 ), a full disclosure of all entities that accessed my credit report, including details of how and why they obtained my credit information. If these inquiries were made without a valid permissible purpose under 15 U.S.C. 1681b, they are unlawful and must be deleted immediately.

Please remove the following from my credit report, immediately : Creditor Name : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Creditor Name : Ally Financial Inquiry Date : XXXX. XXXX, XXXX Creditor Name : XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX 
Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX 
Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XXXX XXXX XXXX Creditor Name : XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX via XXXX XXXX  XXXX Inquiry Date XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  Inquiry XXXX XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX Creditor Name : XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX Inquiry Date XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX via XXXX XXXX TOYOT Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX  via XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX via XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor Name : XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX, XXXX XXXX XXXX : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX TN XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date XXXX XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX. 
Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX. 
Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX

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