Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Demand to Delete Unauthorized Hard Inquiries FCRA 604 & 609 I am writing to formally dispute and demand the removal of the following unauthorized credit inquiries reported on my credit file. These inquiries were not initiated or authorized by me and therefore violate the Fair Credit Reporting Act ( FCRA ), including but not limited to 604 ( a ) ( 2 ), 605 ( b ), and 609 ( a ), and CFPB enforcement policies. Unauthorized Inquiries to Delete Immediately : - Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Any other auto-related inquiries not expressly authorized by me. These entities did not have my written authorization to access my credit report for the purpose of extending credit. Under FCRA 604 ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report with the consumers written consent. The presence of these inquiries constitutes an impermissible use and is damaging my credit score and access to fair credit. Action Requested : 1. Delete each of the listed inquiries from my credit file. 2. Provide a corrected credit report showing the deletions. 3. Provide a written explanation of your actions within 30 days, as required by FCRA 611. Enclosed are copies of my government-issued ID, Social Security card , and a recent utility bill as proof of identity and address. Failure to remove these unauthorized inquiries will leave me no option but to escalate to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  Department of Consumer Affairs, and to pursue all remedies available under law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX Phone : ( XXXX ) XXXX Email : XXXX Signature : __________________________ Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Demand to Delete Unauthorized Hard Inquiries FCRA 604 & 609 I am writing to formally dispute and demand the removal of the following unauthorized credit inquiries reported on my credit file. These inquiries were not initiated or authorized by me and therefore violate the Fair Credit Reporting Act ( FCRA ), including but not limited to 604 ( a ) ( 2 ), 605 ( b ), and 609 ( a ), and CFPB enforcement policies. Unauthorized Inquiries to Delete Immediately : - Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Any other auto-related inquiries not expressly authorized by me. These entities did not have my written authorization to access my credit report for the purpose of extending credit. Under FCRA 604 ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report with the consumers written consent. The presence of these inquiries constitutes an impermissible use and is damaging my credit score and access to fair credit. Action Requested : 1. Delete each of the listed inquiries from my credit file. 2. Provide a corrected credit report showing the deletions. 3. Provide a written explanation of your actions within 30 days, as required by FCRA 611. Enclosed are copies of my government-issued ID, Social Security card , and a recent utility bill as proof of identity and address. Failure to remove these unauthorized inquiries will leave me no option but to escalate to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  Department of Consumer Affairs, and to pursue all remedies available under law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX Phone : ( XXXX ) XXXX Email : XXXX Signature : __________________________ TransUnion XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX Subject : Demand to Delete Unauthorized Hard Inquiries FCRA 604 & 609 I am writing to formally dispute and demand the removal of the following unauthorized credit inquiries reported on my credit file. These inquiries were not initiated or authorized by me and therefore violate the Fair Credit Reporting Act ( FCRA ), including but not limited to 604 ( a ) ( 2 ), 605 ( b ), and 609 ( a ), and CFPB enforcement policies. Unauthorized Inquiries to Delete Immediately : - Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Any other auto-related inquiries not expressly authorized by me. These entities did not have my written authorization to access my credit report for the purpose of extending credit. Under FCRA 604 ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report with the consumers written consent. The presence of these inquiries constitutes an impermissible use and is damaging my credit score and access to fair credit. Action Requested : 1. Delete each of the listed inquiries from my credit file. 2. Provide a corrected credit report showing the deletions. 3. Provide a written explanation of your actions within 30 days, as required by FCRA 611. Enclosed are copies of my government-issued ID, Social Security card , and a recent utility bill as proof of identity and address. Failure to remove these unauthorized inquiries will leave me no option but to escalate to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  Department of Consumer Affairs, and to pursue all remedies available under law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX Phone : ( XXXX ) XXXX Email : XXXX Signature

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