Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
Dispute Letter to Experian Inaccurate Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN ( last 4 ) : XXXX Email : XXXX Date : XX/XX/XXXX To : Experian Information Solutions, LLC XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate and Unauthorized Credit Inquiries Request for Immediate Deletion Dear Experian, I am writing to formally dispute several credit inquiries that appear on my Experian credit file dated XX/XX/XXXX ( XXXX XXXX XXXX XXXXXXXX ). These inquiries are inaccurate, incomplete, misleading, and in certain cases, unauthorized. They also fail to comply with the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the HIPAA Privacy Rule, and Metro 2 reporting standards established by the XXXX XXXX XXXX XXXX ( XXXX ). 
The disputed inquiries are : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Issues Identified 1. 2. 3. Incomplete and Truncated Names ( FCRA 609 ( a ) ( 3 ) ) : These inquiries appear with abbreviated names ( XXXXXXXX XXXX XXXX XXXX  ) rather than the full legal trade names. The FCRA requires that the name of the party who accessed the report be disclosed in full. These cryptic entries fail to provide transparency and clarity, making it impossible for me to readily identify the inquiring party. 
Lack of Permissible Purpose ( FCRA 604 ) : I did not authorize any inquiry by XXXX XXXX XXXX XXXX on or around XX/XX/XXXX. I have no account or application with them, which makes this inquiry an unauthorized hard pull without permissible purpose. 

The duplicate XXXX XXXX inquiries ( XX/XX/XXXX and XX/XX/XXXX ) suggest that my report was pulled twice for a single application. This creates an inaccurate portrayal of my credit-seeking behavior and indicates that at least one inquiry was conducted without authorization or permissible purpose. 

If any of the above inquiries were initiated for marketing or prescreen purposes, they should have been coded as soft inquiries under Metro 2, not reported as hard inquiries visible to creditors. 
Inaccuracy and Misleading Reporting ( FCRA 607 ( b ) ) : Reporting the same creditor multiple times in such a short span ( XXXX XXXX ) falsely suggests I applied for multiple accounts. Additionally, abbreviations like XXXX are confusing and misleading. This is not maximum possible accuracy as the FCRA requires. 
4. Metro 2 Compliance Violations : Missing or incorrect inquiry type codes ( hard vs. soft ). 

Incomplete creditor identifiers ( use of slashes and truncations instead of full trade names ). 

Incorrect industry code usage ( e.g., XXXX XXXX non specific for XXXX, which is a credit card ). 
These defects represent non-compliance with Metro 2 standards, which require accurate classification and identification of inquiries. 
Legal Authority FCRA 604 ( 15 U.S.C. 1681b ) : Prohibits credit inquiries without permissible purpose. 
FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Requires Experian to assure maximum possible accuracy. 
FCRA 609 ( a ) ( 3 ) ( 15 U.S.C. 1681g ) : Requires disclosure of the inquiring partys name in full. 
FCRA 611 ( 15 U.S.C. 1681i ) : Requires deletion of disputed information that can not be verified. 
Metro 2 XXXX Standards : Mandate proper coding, classification, and accuracy of reported inquiries. 
Requested Action Pursuant to my rights under the FCRA : 1. 2. Immediately delete all four disputed inquiries from my Experian credit file, unless Experian can provide documented proof that each inquiry was authorized by me and made with a valid permissible purpose. 
Provide written confirmation of deletion or correction within 30 days, as required by law. 
XXXX. If Experian maintains that any of these inquiries are valid, please supply documentation of my authorization and the specific permissible purpose claimed. 
Conclusion These inquiries are harming my credit profile and misrepresenting my credit history. Experian has a legal duty to ensure accuracy and compliance. If these matters are not resolved, I am prepared to escalate my complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities. 
Thank you for your prompt attention to this matter. I look forward to your written response and updated credit file reflecting the corrections. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX DOB : XX/XX/XXXX SSN ( last 4 ) : XXXX Email : 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