Consumer complaint received 2025-09-10 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: FL

Complaint narrative:
I am disputing multiple hard inquiries on my TransUnion credit report that were made without my full authorization or that did not result in any approved credit or benefit to me. I believe they violate the Fair Credit Reporting Act ( FCRA 604 ) due to lack of a permissible purpose. 

Please investigate and remove the following hard 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 XXXXXX/XX/XXXX I never received any line of credit, loan, or financial product in relation to these inquiries, and I did not provide proper authorization for multiple pulls from the same or similar entities. 

I have attempted to resolve this directly with the credit bureaus, but have received no resolution. I am now filing this CFPB complaint requesting that these inquiries be fully investigated and removed due to lack of permissible purpose. 

Thank you for your help and attention to this issue. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX I dispute this hard inquiry under FCRA 604 ( a ) ( 3 ). I did not receive any credit, benefit, or approval from XXXX XXXX. There was no permissible purpose for this inquiry to remain. Please remove it. 



XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry violates FCRA 604 ( a ) ( XXXX ). I applied but did not receive any credit or approval. No benefit was provided. I request immediate removal. 



XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I never received any credit line from XXXX XXXX for this inquiry. No extension of credit means no legal basis for the inquiry under FCRA 604 ( a ) ( 3 ). Please delete it. 



XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX did not provide credit or approval. This inquiry lacks permissible purpose under FCRA 604 ( a ) ( 3 ) and should be removed from my report. 



XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX I did not receive credit from XXXX XXXX. Under FCRA 604 ( a ) ( XXXX ), this inquiry must be removed as no valid benefit was granted. 



XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX No credit or account was opened from this inquiry. It is not permissible under FCRA 604 ( a ) ( 3 ) and I am requesting its removal. 



XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I was not approved for any credit from XXXX This inquiry is harmful and lacks a permissible basis under FCRA XXXX ( a ) ( XXXX ). Please remove it. 



XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX No account was opened and no benefit received from XXXX XXXX. This inquiry violates FCRA 604 ( a ) ( 3 ) and I request its deletion. 

I am formally invoking my right under the Fair Credit Reporting Act ( FCRA ) to dispute the accuracy of the information listed in my consumer report, specifically the hard inquiries attached. 

In accordance with federal guidelines, I understand credit reporting agencies are required to respond to disputes within 30 days of receipt. However, as referenced on the Consumer Financial Protection Bureaus portal, it is standard practice to provide a response within 15 days when a complaint is forwarded to the appropriate company. 

Therefore, I kindly request a written response and resolution within 15 calendar days from the date of your receipt of this filing. If additional time is required under exceptional circumstances, please provide written notice of the delay and justification in accordance with FCRA procedures.

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