Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Texas XXXX XX/XX/XXXX Experian : XXXX XXXX XXXX XXXXXXXX, TX XXXX Equifax : XXXX XXXX XXXXXXXX, XXXX, GA XXXX TransUnion : XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : DEMAND FOR REMOVAL OF UNAUTHORIZED INQUIRIES VIOLATION OF CONSUMER LAW Dear Experian, I am writing to formally dispute the unauthorized inquiries listed below that appear on my credit report. On XX/XX/XXXX I called your office to dispute these inquiries and was informed that they would not be removed. In response to this violation of my consumer rights, I have since filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), you are required to ensure that my personal informationincluding my name, address, phone number, and Social Security numberis not accessed without my explicit permission. I did not provide consent for these inquiries, nor did I authorize any co-signer or third party to do so on my behalf. These inquiries are a direct violation of my rights under consumer law, and their presence on my credit report is unlawful. 
As per 15 U.S.C. 1681b ( f ), a company must have permissible purpose before pulling my credit report. Since these inquiries were unauthorized, they must be permanently removed from my file immediately. Additionally, failure to comply with this request may result in legal action, as I will pursue all available remedies under the law. 
Below is a list of the disputed inquiries : 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 I demand that these inquiries be deleted from my credit report immediately. Per 15 U.S.C.

1681i ( a ) ( 5 ) ( A ), you are required to delete inaccurate, unverifiable, or unauthorized information. 
If you claim these inquiries are valid, provide documented proof of my written authorization and the permissible purpose under federal law. If you can not provide such proof, you must remove them immediately. 
I am attaching a copy of my FTC report, a valid government-issued ID, and proof of my current address for verification purposes. Please provide written confirmation of the deletion of these inquiries within 30 days, as required by law. 
Failure to comply will result in further escalation through the XXXX XXXX XXXX XXXX XXXX XXXX, State Attorney General, and potential legal action. I expect immediate resolution of this matter. 
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