Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Upon pulling my credit reports from XXXX I discovered that you had reported fraudulent inquiries within my credit file. This account has previously been disputed with your company, which advised me to continue the dispute with you. My credit file has been impacted by these fraudulent inquiries. The below creditors have no proof that I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. In light of the fact that there is no evidence of my authorization, nor any permissible purpose, I request that you remove these authorized inquiries from my credit report immediately. In accordance with Section 604 of the Fair Credit Reporting Act, consumer reports may only be used for the purposes described in 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that the consumer initiates.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXXXXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b. 
XXXX XXXX XX/XX/XXXX XXXX XXXXThis inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b XXXX XXXX XX/XX/XXXX XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXXXXXX-This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXXXXThis inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThis inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b XXXX XXXX XXXXXXXX XXXX XXXX, XXXXThis inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXXXXXXThis inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b XXXX XXXX XXXX XXXX XXXXXXXXThis inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b To be clear, I did not apply for any of these accounts. You are reporting an inquiry that does not belong to me, which is a violation of the Fair Credit Reporting Act. 
In order to clear up this matter, I would like to see these inquiries removed from my credit file. If not, then reporting inaccurate information is also a violation of the FCRA under 623 ( a ). In order to avoid a lawsuit, I request that you DELETE these inquiries from my credit report. 
These accounts were not opened by me, and I did not give my authorization for them to be pulled.

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