Consumer complaint received 2025-05-18 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: TX

Complaint narrative:
I am writing to formally dispute three hard credit inquiries that appear on my credit report, all dated XX/XX/year>, from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> I have no knowledge of or relationship with these companies. I did not apply for credit, authorize, or initiate any transactions that would justify these inquiries. As such, I consider these inquiries unauthorized and fraudulent. They were made without my knowledge or consent, and I have not signed or submitted any credit applications that would allow these companies to access my credit report. 
According to the Fair Credit Reporting Act ( FCRA ), the law requires that hard inquiries must have a permissible purpose, and must be conducted with the explicit consent of the consumer. 
FCRA 604 ( a ) ( 2 ) Permissible Purpose A consumer reporting agency may furnish a consumer report only if the consumer has given written instructions to the consumer reporting agency to furnish the report.

These inquiries were not authorized by me in writing, nor was I notified by these companies. This is a direct violation of this section. 
FCRA 607 ( a ) Compliance Obligations " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 604 ... '' This means credit bureaus are legally responsible for ensuring that only authorized inquiries appear on my report. If there was no permissible purpose or no written authorization, these inquiries should never have been added. 
FCRA 611 Right to Dispute Inaccurate Information Under this section, I have the right to dispute any item on my credit report, and the credit reporting agency is required to : Conduct a reasonable reinvestigation within 30 days Notify the furnisher of the dispute Delete or correct inaccurate, incomplete, or unverifiable information As allowed under FCRA 611 and 604, I am demanding the following actions : 1. Immediately investigate the three inquiries listed above.

2. Delete them permanently from all versions of my credit report ( including consumer and third-party reports ). 
3. Provide a written confirmation of your findings and actions taken within 30 calendar days of receiving this letter.

Please note : If you or the furnishers are unable to provide documented proof of written authorization, the law requires that the inquiries be deleted. Failure to act within the timeline or retain inaccurate records constitutes willful noncompliance under FCRA 616 and 617, which may subject you to legal liability, including damages and attorney fees. 
If this issue is not resolved to my satisfaction, I will escalate this matter by filing formal complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney General 's Office Additionally, I reserve the right to pursue civil action for willful or negligent violations of my consumer rights under FCRA 616 and 617. 
Thank you for your immediate attention to this matter. I expect a full response in writing within 30 days, as required by federal law.

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