Consumer complaint received 2025-09-27 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXXXXXX XXXX  Subject : Formal Dispute of Unauthorized Inquiries and Furnishing of Credit Information Without Written Consent ( Pursuant to 15 U.S.C. 1681 ) To Whom It May Concern, This letter serves as a formal dispute and demand for investigation regarding unauthorized access and/or furnishing of my personal credit information as reported on my Experian credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am exercising my right to dispute information that I believe has been accessed or reported without proper legal basis. 

Under 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only under certain permissible purposes, which include obtaining the written consent of the consumer when required. I have not provided written authorization or consent for the following party or parties to access or furnish my credit information : 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  These entries were made without my knowledge, authorization, or consent, and I believe they were furnished or obtained illegally or improperly. Under 15 U.S.C. 1681b ( f ), it is unlawful for any person to use or obtain a consumer report without a permissible purpose under the FCRA. 

Therefore, I request that Experian : 1. Conduct a full investigation of each item listed above ; 2. Provide documentation showing my written consent authorizing the furnishing or obtaining of my credit information ; 3. Permanently remove any unauthorized inquiries or accounts that can not be validated with my written consent ; 4. Provide a written response detailing the outcome of your investigation, including an updated copy of my credit report.

5.

Please consider this letter a formal dispute under 15 U.S.C. 1681i, which requires you to complete your investigation within 30 days of receipt. If these entries are not removed or validated within the statutory timeframe, I will take further action by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General. I also reserve the right to pursue damages under 15 U.S.C. 1681n and 1681o.

Thank you for your prompt attention to 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