Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute Request for Immediate Removal of Fraudulent Inquiries To Whom It May Concern, I am writing to formally dispute and demand the removal of numerous unauthorized hard inquiries that appear on my Experian credit report. I did not authorize any of the following credit inquiries, and they constitute a serious violation of my consumer rights under both federal and California state law. 

Below is a complete list of the fraudulent inquiries that must be removed immediately 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These hard inquiries were made without my authorization or knowledge and constitute a violation of : The Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ) which prohibits accessing a consumers credit report without a permissible purpose or explicit authorization.

FCRA 611 ( 15 U.S.C. 1681i ) which requires a credit bureau to investigate disputed items.

California Civil Code 1785.16 which mandates that consumer credit reporting agencies maintain reasonable procedures to assure maximum possible accuracy of the information.

California Civil Code 1785.25 ( a ) which holds furnishers of information liable if they provide false or inaccurate data to credit reporting agencies. 
I demand that Experian immediately investigate and permanently delete these fraudulent inquiries from my credit file. Please also provide a written confirmation once these entries have been removed. I have enclosed a copy of my government-issued ID, proof of address, and highlighted copy of my credit report. 

This is a formal dispute under the FCRA. If these inquiries are not removed within 30 days as required by law, I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and to pursue all available legal remedies under federal and state law. 

Sincerely, 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