Consumer complaint received 2025-10-23 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:
Unauthorized Credit Inquiries Demand for Immediate Deletion under FCRA Violations To Whom It May Concern, This letter serves as a formal dispute and demand for deletion of unauthorized credit inquiries that appear on my consumer credit report maintained by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, no one is permitted to access or obtain my consumer credit report without a permissible purpose and my explicit written authorization.

After reviewing my credit report, I have identified the following inquiries that were not authorized or initiated by me, and therefore constitute impermissible access to my private consumer file : [ List each company name and date of inquiry here ] Under 15 U.S.C. 1681b ( f ) and 1681n, it is unlawful for any person to obtain or use a consumer report without a permissible purpose. Each unauthorized inquiry represents a willful violation of federal law, and each party involved is subject to civil liability, including actual damages, statutory damages, punitive damages, and attorneys fees. 



Furthermore, your continued reporting of these unauthorized inquiries after receiving this dispute constitutes willful noncompliance under 15 U.S.C. 1681i and 1681s-2 ( b ), as well as a violation of my rights under 15 U.S.C. 1681e ( b ) for failing to maintain maximum possible accuracy.

I am demanding the immediate removal of all the above-mentioned unauthorized inquiries from my credit file. Please conduct a proper reinvestigation pursuant to 15 U.S.C. 1681i ( a ) and provide me with written confirmation that these inquiries have been deleted within the 30-day compliance window. 



Failure to comply will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General, and I will pursue civil action for damages under 15 U.S.C. 1681n and 1681o. 



Please provide a detailed report of the investigation results, including the name, address, and proof of authorization from each entity that claims to have obtained my credit information lawfully. 

Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX  XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX, XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian

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