Consumer complaint received 2024-09-15 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: MD

Complaint narrative:
Subject : Formal Request for Removal of Unauthorized Inquiries Due to Identity Theft and Data Breaches Dear Sir or Madam, I am writing to request the removal of unauthorized hard and soft inquiries currently reported on my credit report. As a victim of identity theft due to multiple data breaches, including the most recent XXXX and Experian breaches, my personal information has been compromised and used without my consent. These unauthorized inquiries violate federal laws, and I am requesting their immediate removal. 

1. Unauthorized Hard and Soft Inquiries The following hard and soft inquiries have appeared on my credit report without my knowledge or permission. As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which mandates permissible purposes for credit inquiries, these inquiries must be removed as they were not authorized by me. 

Hard Inquiries XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ( On record until XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ( On record until XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( On record until XX/XX/XXXX ) XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ( On record until XX/XX/XXXX ) XXXX XXXX Inquired on XX/XX/XXXX ( On record XXXX XX/XX/XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX ( On record until XX/XX/XXXX ) XXXX XXXX XXXX  Inquired on XX/XX/XXXX ( On record until XX/XX/XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX ( On record until XX/XX/XXXX ) XXXX XXXX Inquired on XX/XX/XXXX ( On record until XX/XX/XXXX ) XXXX XXXX Inquired on XX/XX/XXXX ( On record until XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ( On record until XX/XX/XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX ( On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ( On record until XX/XX/XXXX ) XXXX XXXXXXXX Inquired on XX/XX/XXXX ( On record until XX/XX/XXXX ) XXXX XXXX Inquired on XX/XX/XXXX XXXX On record until XX/XX/XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX On record until XX/XX/XXXX ) XXXX XXXX XXXX  Inquired on XX/XX/XXXX ( On record until XX/XX/XXXX ) Soft Inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ( twice ) XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ( twice ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX ( and XXXX more ) XXXX XXXX  Inquired XXXX XX/XX/XXXX ( and XXXX more ) XXXX XXXX  XXXX Inquired on XX/XX/XXXX ( and XXXX more ) XXXX  XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX EXPERIAN Inquired on XX/XX/XXXX XXXX and XXXX more ) EXPERIAN Inquired on XX/XX/XXXX ( and XXXX more ) EXPERIAN Inquired XXXX XX/XX/XXXX ( and XXXX more ) EXPERIAN XXXX on XX/XX/XXXX ( and XXXX more ) EXPERIAN XXXX Inquired on XX/XX/XXXX ( and XXXX more ) EXPERIAN XXXX Inquired on XX/XX/XXXX ( and XXXX more XXXX EXPERIAN XXXX IDENTITY Inquired on XX/XX/XXXX ( and XXXX more ) XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX ( and XXXX more ) XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ( and XXXX more ) XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ( and XXXX more ) XXXX XXXX XXXX Inquired on XX/XX/XXXX ( twice ) XXXX  Inquired on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX THE XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX & SECUR Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX. Legal Violations The unauthorized inquiries listed above violate the following laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b : Unauthorized credit inquiries are illegal under the FCRA unless the consumer explicitly consents.

15 U.S.C. 1681i : Credit bureaus are required to investigate disputed information within 30 days. 

Federal Trade Commission ( FTC ) Identity Theft Red Flags Rule : In response to data breaches like those at XXXX and Experian, businesses are required to take measures to detect and prevent identity theft. The breaches allowed my information to be accessed and misused. 

3. Data Breach and Identity Theft Impact My personal information was compromised in the XXXX and Experian data breaches, and I have experienced significant financial harm as a result. No adequate protection or resolution has been provided, and unauthorized individuals have accessed my credit without my consent. 

4. Request for Immediate Action I request the following actions : Immediate removal of all unauthorized inquiries from my credit reports with XXXX, XXXX, Experian, and XXXX. 
A complete review of my report to remove any other inaccurate information. 
Written confirmation of the removal of the inquiries and any corrections made to my report. 
Please treat this letter as a formal dispute under the FCRA. I expect this issue to be resolved within 30 days as mandated by law. 

Thank you for your prompt attention to this matter. Please contact me if further information or documentation is

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