Consumer complaint received 2025-06-21 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: NJ

Complaint narrative:
-- - XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX To : Experian P.O. XXXX XXXX XXXX, TX XXXX -- - RE : FORMAL DISPUTE AND DEMAND FOR REMOVAL OF UNAUTHORIZED HARD INQUIRIES UNDER FCRA 604 ( a ), 1681b ( c ), and 1681e ( b ) To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following unauthorized hard inquiries currently appearing on my Experian credit report. These inquiries were not initiated or authorized by me and constitute violations of federal consumer protection law under the Fair Credit Reporting Act ( FCRA ). 


-- - Unauthorized Inquiries to Be Deleted : XXXX. XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Hard Inquiry -- - LEGAL BASIS FOR REMOVAL : 1. FCRA 604 ( a ) Lack of Permissible Purpose Under FCRA 604 ( a ), a credit inquiry may only be made with a permissible purpose and explicit consumer authorization. I did not authorize these entities to access my credit report. As such, these inquiries are considered unauthorized intrusions and must be removed immediately.

2. FCRA 1681b ( c ) Written Authorization Required The above entities failed to obtain written consent as required under 1681b ( c ). Experian is liable for continuing to report these inquiries despite my prior disputes and your legal obligation to ensure only authorized activity appears in my file.

3. FCRA 1681e ( b ) Obligation to Maintain Maximum Accuracy Experian has a legal duty to maintain only accurate and verifiable information in consumer reports. Reporting inquiries that have no authorization or supporting documentation is a clear violation of this standard.

-- - SUPPORTING DOCUMENTATION ATTACHED : Copy of government-issued ID Proof of current address List of disputed inquiries -- - DEMAND FOR ACTION : I hereby demand that Experian : 1. Immediately remove the above-listed inquiries from my credit report ; 2. Conduct a reinvestigation under FCRA 1681i and confirm whether these inquiries were properly authorized ; 3. Provide me with a written confirmation of deletion within 30 days from the date of this letter ; 4. Furnish an updated copy of my Experian credit report reflecting these deletions.

-- - NOTICE OF ESCALATION If Experian fails to correct these inaccuracies within the required 30-day window, I will take the following steps : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) ; Initiate legal proceedings under FCRA 1681n and 1681o for willful or negligent noncompliance ; Seek monetary damages, including statutory, actual, and punitive relief, plus attorneys fees.

-- - You have been given legal notice under federal law. Failure to act accordingly will result in immediate escalation.

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