Consumer complaint received 2025-06-24 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: PA

Complaint narrative:
I am writing to formally dispute an unauthorized inquiry that has appeared on my credit report. On [ Date ], [ Creditor/Entity Name ] accessed my credit report without my prior knowledge or consent. I did not submit an application for credit with this entity, nor did I grant them authorization to access my credit report for any permissible purposes as outlined in 15 U.S.C. 1681b. Therefore, I respectfully request that [ Creditor/Entity Name ] take immediate action to remove this inquiry from my credit report and provide a detailed written response outlining the steps taken to investigate this matter. 

* * Overview of Hard Inquiries * * Below is a comprehensive record of hard inquiries that have been made : XXXX. * * XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XX/XX/XXXX XXXX. * * XXXX XXXX * XXXX - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XX/XX/XXXX XXXX. * * XXXX XXXXXXXX XXXX XXXX XXXX - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XX/XX/XXXX XXXX. * * XXXX XXXX XXXX XXXX * * - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XX/XX/XXXX XXXX. * * XXXX XXXX XXXX * XXXX XXXX XXXX * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XX/XX/XXXX XXXX. * * XXXX XXXX XXXX XXXX XXXX * * - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XX/XX/XXXX XXXX. * * XXXX XXXX XXXX XXXX XXXX - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XX/XX/XXXX XXXX. * * XXXX XXXX  * * - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XX/XX/XXXX XXXX. * * XXXX XXXX XXXX XXXX * - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XXXX XXXX XXXX  * * XXXX XXXX XXXX * * - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XXXX XXXX 12. * * XXXX XXXX XXXX XXXX  * * - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XXXX XXXX 13. * * XXXX XXXX XXXX * * - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XXXX XXXX  14. * * XXXX * * - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XXXX XXXX 15. * * XXXX Card * * - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XXXX XXXX 16. * * XXXX XXXX * * - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XXXX XXXX 17. * * XXXX XXXX XXXX XXXX XXXX XXXX  * * - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XXXX XXXX 18. * * XXXX XXXX XXXX XXXX - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XXXX XXXX 19. * * Service XXXX XXXX XXXX XXXX * * - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XXXX XXXX 20. * * XXXX XXXX XXXX XXXX XXXX - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XXXX XXXX  21. * * XXXX XXXX * * - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XXXX XXXX 22. * * XXXX XXXX  * * - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XXXX XXXX 23. * * XXXX XXXX XXXX XXXX XXXX - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XXXX XXXX  24. * * XXXX XXXX XXXX XXXX XXXX - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XXXX XXXX 25. * * XXXX XXXX XXXX XXXX XXXX XXXX - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XXXX XXXX 26. * * GXXXX XXXX XXXX  * * - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XXXX XXXX 27. * * XXXX XXXX XXXX XXXX * * - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XXXX XXXX 28. * * XXXX XXXX XXXX  * - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XXXX XXXX 29. * * XXXX XXXX, XXXX XXXX * * - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XXXX XXXX 30. * * XXXX * * - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XXXX XXXX  31. * * XXXX  * XXXX XXXX XXXX * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XXXX XXXX  32. * * XXXX XXXX * * - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XXXX XXXX 33. * * XXXXXXXX XXXX * * - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XXXX XXXX 34. * * XXXX XXXX XXXX * * - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XXXX XXXX  35. * * XXXX XXXX * * - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XXXX XXXX 36. * * XXXX XXXX XXXX XXXX XXXX XXXX  * * - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XXXX XXXX  37. * * XXXX XXXX XXXX * XXXX - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XXXX XXXX 38. * XXXX XXXX XXXX XXXX XXXX * - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XXXX XXXX  39. * * XXXX XXXX XXXX XXXX * * - * * Inquiry Date : * * XX/XX/XXXX, l - * * Retention Period : * * Until XXXX XXXX 40. * * XXXX XXXX * * - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XXXX XXXX 41. * * XXXX XXXX XXXX XXXX XXXX XXXX * * - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XXXX XXXX 42. * * XXXX XXXX XXXX  * * - * * Inquiry Date : * * XX/XX/XXXX - * * Retention Period : * * Until XX/XX/XXXX I appreciate your immediate attention to this matter and look forward to your swift response. 

The only credit inquiries that I authorize was XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and XXXX oh others are unauthorized they were done by my ex-boyfriend. Im asking for them to be removed as soon as possible. Im in the process of litigation.

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