Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized or incorrect credit inquiries that have appeared on my credit report. These inquiries have been made by various financial institutions without my explicit consent, and I believe they are in violation of several provisions of the U.S. Code, specifically under 15 U.S.C. 1681b ( Fair Credit Reporting Act - " FCRA '' ) and 15 U.S.C. 1691 ( Equal Credit Opportunity Act - " ECOA '' ). 

XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX FOR Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX XXXXL Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Removal Date XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX NA Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Removal Date XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry Date : XXXX XXXX, XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Removal Date : XX/XX/XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Removal Date : Violations : Unauthorized Inquiries under the FCRA - 15 U.S.C. 1681b : 15 U.S.C. 1681b ( a ) ( 3 ) ( A ) states that a credit report may only be accessed with the consent of the consumer or when the request is made for purposes authorized by law, such as a credit transaction or legitimate business needs. In this case, the inquiries listed above were not authorized by me nor for any legitimate business transaction.

15 U.S.C. 1681b ( f ) further provides that if a consumers credit report is accessed improperly or without consent, it constitutes a violation of their rights.

Discriminatory Practices under the ECOA - 15 U.S.C. 1691 : 15 U.S.C. 1691 ( a ) ( 1 ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, or age in any aspect of a credit transaction. I believe that my credit report may have been accessed or used in a manner that violates the Equal Credit Opportunity Act, as certain inquiries were made without appropriate cause or without my request.

Failure to Properly Notify of Credit Inquiries - 15 U.S.C. 1681g : As per 15 U.S.C. 1681g, I am entitled to a free credit report annually, and I should have been notified of any credit inquiries made into my report. These inquiries were not appropriately communicated to me, and I did not consent to their being made.

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 non-monetary relief