Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint regarding several unauthorized and/or inaccurate hard inquiries that have been reported on my credit file without my knowledge, consent, or permissible purpose as defined under federal law. 
As a consumer, I have not initiated any credit transaction, application, or account activity that would legally justify the presence of these inquiries on my credit report. The presence of these inquiries is not only harmful to my credit standing, but also a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b Permissible purposes of consumer reports. 
Below are the details of the inquiries I am disputing : XXXX. XXXX Inquiry Date : XX/XX/XXXX I have never applied for any product or service with XXXX This inquiry was conducted without my authorization or prior notice. 
Violation : FCRA 604 ( a ) ( 3 ) [ 15 U.S.C. 1681b ] : No permissible purpose FCRA 604 ( c ) ( 1 ) : Consumer authorization required FCRA 616 & 617 : Willful or negligent noncompliance XXXX. XXXX XXXX XXXX Inquiry Date : Unknown ( recent ) I did not apply for any credit card or loan from XXXX XXXX XXXX. This inquiry is completely unauthorized. 
Violation : FCRA 604 ( a ) ( 3 ) : No permissible purpose FCRA 604 ( c ) ( 1 ) : No consumer consent FCRA 607 ( a ) : Reasonable procedures to ensure accuracy were not followed XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX I did not authorize this inquiry or submit any application with XXXX or XXXX. It XXXX be a case of misidentification or error. 
Violation : FCRA 604 ( a ) ( 3 ) : No permissible purpose FCRA 604 ( c ) ( 1 ) : Inquiry made without my express consent XXXX. EXPERIAN XXXX XXXX  Inquiry Date : XX/XX/XXXX I have no business credit applications or relationships with Experian XXXX. This hard inquiry on my personal credit report is inaccurate and inappropriate. 
Violation : FCRA 604 ( a ) ( 3 ) : No permissible business-related reason FCRA 604 ( c ) : No consumer authorization FCRA 607 ( b ) : Failure to assure maximum possible accuracy Legal Grounds : All these inquiries are being reported without a valid permissible purpose as outlined in the Fair Credit Reporting Act ( FCRA ) : FCRA 604 ( a ) ( 3 ) : A consumer reporting agency may furnish a report only under specific lawful conditions, which do not apply to the above inquiries. 
FCRA 604 ( c ) : Requires express written consent of the consumer for promotional or firm offers of credit which I never provided.

FCRA 607 ( a ) : Credit reporting agencies must follow reasonable procedures to ensure inquiries are accurate and authorized.

FCRA 616, 617 : These inquiries may result in civil liability for willful or negligent noncompliance with the Act. 
Requested Action : I am respectfully requesting the removal of all the above-listed inquiries from my credit report. Additionally, I request that each furnisher of the inquiry provide the permissible purpose documentation under which they accessed my credit file. If no such evidence can be produced, the inquiries must be immediately deleted as required by law. 
Supporting Notes : These inquiries are damaging my creditworthiness and affecting my ability to obtain credit. 
I never gave written or verbal consent for these inquiries.

No firm offer, account, or transaction was ever initiated or completed.

Failure to remove these inquiries may result in further legal action, including additional complaints to the FTC and State Attorney General under FCRA enforcement provisions. 
Thank you for your prompt attention to this matter. I am demanding a thorough investigation and resolution.

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