Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
TO : All Consumer Reporting Agencies Equifax, TransUnion, Experian AND : XXXX Compliance Team / Data Furnishers RE : IMMEDIATE REMOVAL OF FRAUDULENT AND UNAUTHORIZED HARD INQUIRIES FTC Identity Theft Report Filed Legal Notice of Violation FCRA Violations 15 U.S.C. 1681b ( c ) ( 1 ) NO PERMISSIBLE PURPOSE To Whom It May Concern : I am submitting this formal dispute and legal deletion demand under the Fair Credit Reporting Act ( FCRA ) regarding multiple unauthorized hard inquiries that have been falsely reported on my credit report without my knowledge, consent, or permissible purpose.

These inquiries are in clear violation of 15 U.S.C. 1681b ( c ) ( 1 ), which governs when a party may access a consumer report. Under this law, no person shall obtain a consumer report unless the consumer has given prior written authorization or the access qualifies under a limited, specific set of legal conditions.

These inquiries were conducted without my authorization, and no signed application, consent form, or transactional agreement exists that would legally permit them.

FTC REPORT FILED : This incident has been reported to the Federal Trade Commission as a violation of my consumer rights and an act of unauthorized use of my personal identifying information.

UNAUTHORIZED HARD INQUIRIES VIOLATIONS OF FCRA Furnisher Name Inquiry Date FCRA Violation XXXX XXXX XX/XX/year> 15 USC 1681b ( c ) ( 1 ) No permissible purpose XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> No written consent, no authorization XXXX XXXX XXXXXX/XX/year> Duplicate pull without consent XXXX XXXX XXXXXX/XX/year> Repeated pull, no transaction XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> No authorized credit application XXXX XXXX XXXX XX/XX/year> No permissible purpose, ID theft XXXX XXXX  XXXX XX/XX/year> XXXX authorization for access XXXX XX/XX/year> No application, no consent LEGAL BASIS FOR IMMEDIATE DELETION : FCRA 604 [ 15 U.S.C. 1681b ( c ) ( 1 ) ] No entity may access a consumer report without a permissible purpose or explicit consumer authorization.

FCRA 616 [ 15 U.S.C. 1681n ] Civil liability for willful noncompliance with FCRA.

FCRA 623 [ 15 U.S.C. 1681s-2 ] Duty of data furnishers to investigate and correct errors.

FCRA 611 [ 15 U.S.C. 1681i ] Duty of CRAs to reinvestigate and delete inaccurate or unverifiable items within 30 days, and in cases of identity theft or legal violation, within 24 hours.

EOSCAR is bound to respect FCRA and must not override consumer dispute rights by rubber-stamping furnishers ' unverifiable responses.

FORMAL NOTICE AND DEMAND I am demanding that the above-referenced inquiries be deleted immediately, as they are : Unauthorized Fraudulent in nature Reported without a legally valid purpose Now part of an FTC Identity Theft Report You have no legal grounds to maintain these inquiries on my report, and continuing to report them will be treated as : Willful noncompliance under FCRA 616 Negligent noncompliance under FCRA 617 Defamation of character and negligent furnishing DEADLINE FOR COMPLIANCE : 24 HOURS Failure to delete these inquiries within 24 hours from receipt of this notice will result in : Filing of a formal lawsuit for statutory damages ( {$1000.00} per violation ) Claims for emotional distress and punitive damages Additional complaints to the CFPB, FTC, State Attorney General, and Consumer Protection Division Please provide a confirmation of deletion in writing to my address or email immediately.

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