Consumer complaint received 2024-07-22 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: MN

Complaint narrative:
To whom it may concern, After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer under subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that a consumer does not initiate. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities. 

XXXX XXXX XXXX - XX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX XXXX XXXX  XX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. XXXX5 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX - XX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX - XX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX - XX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX XXXX XXXXXX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX XXXX - XX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX XXXX XXXX  XX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX XXXX XXXX XX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX XXXX XXXXXX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX XXXX  XX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX XXXX - XX/XX/XXXX -You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX - XX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX XXXX - XX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX XXXX  - XX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX - XX/XX/XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX - XX/XX/XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX XXXX XXXXXX/XX/XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX - XX/XX/XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX XXXX XXXX  XX/XX/XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX XXXX - XX/XX/XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX XXXX XXXXXX/XX/XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX  - XX/XX/XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX XXXX XXXX  XX/XX/XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX XXXX  XX/XX/XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX - XX/XX/XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX - XX/XX/XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX - XX/XX/XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX XXXX - XX/XX/XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX - XX/XX/XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX XXXX - XX/XX/XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX - XX/XX/XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX XXXX - XX/XX/XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX - XXXX/XXXX/XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMME

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