Consumer complaint received 2025-06-02 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: CT

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX RE : Formal Dispute - Unauthorized Hard Inquiries To Whom It May Concern, I am writing to dispute and request the permanent removal of the following unauthorized hard inquiries from my Experian credit file : XXXX. XXXX OF XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX CARD - Inquiry Date : XX/XX/XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ), a hard inquiry is only permissible when initiated by the consumer or with express written consent. I have no recollection or record of initiating credit applications or granting permission for these companies to access my credit file on the listed dates.

As these inquiries were conducted without my authorization, I am formally requesting that Experian : - Conduct an immediate investigation into each of these inquiries, - Provide documented proof that I granted permission ( including signed application or authorization ),- Or otherwise remove these inquiries within the 30-day window under the FCRA.

Please note that if these inquiries are not removed or verified with proof of authorization, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Attached are copies of my government-issued ID and proof of address to verify my identity.

Thank you for your prompt attention to this matter.

According to Section 604 of the FCRA ( 15 U.S. Code 1681b ), a consumer reporting agency may only furnish a consumer report under specific conditions, and only with the written authorization of the consumer in certain cases. These inquiries were not authorized and therefore must be removed immediately.

Furthermore, under FCRA Section 611 ( 15 U.S. Code 1681i ), I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. Experian is required to conduct a reasonable investigation within 30 days of receiving this letter.

I am also exercising my rights under FCRA Section 605B ( 15 U.S. Code 1681c-2 ), which pertains to blocking information resulting from identity theft.

If these inquiries are the result of unauthorized use or potential fraud, you are required to block the reporting of these items.

Please complete your investigation and provide me with a written response detailing the results, as well as an updated copy of my credit report.

Under FCRA Section 611 ( 1681i ), I am requesting that Experian conduct a reasonable reinvestigation of this account. I also invoke FCRA Section 609 ( 1681g ) and request full verification and documentation of the accounts origin and reporting data, including any contracts or original signed agreements you have on file.

Furthermore, per FCRA Section 623 ( 1681s-2 ), furnishers of information are required to report accurate and complete data. If this information can not be fully verified, it must be removed promptly.

Additionally : - Under FCRA Section 605 ( a ), outdated negative information may not be reported after 7 years.

- Under Section 605B ( 1681c-2 ), if identity theft is suspected or confirmed, the tradeline must be blocked from reports.

- Under 15 U.S. Code 6802, my personal financial information must be handled with confidentiality and consent.

I formally request that you investigate this matter, delete or correct the erroneous entry, and provide written confirmation of your actions. Please complete this reinvestigation within 30 days as required by law.

I am writing to formally dispute several hard inquiries that appear on my.

According to the Fair Credit Reporting Act ( FCRA ), I am exercising my rights under : - FCRA Section 609 ( a ) ( 1 ) : The right to request and receive full disclosure of all information in my file, include - FCRA Section 611 ( a ) : The right to dispute inaccurate, incomplete, or unverifiable information and request - FCRA Section 605B : The right to block or remove information resulting from identity theft or unauthorized I am writing to formally dispute several hard inquiries that appear on my Experian credit report. I am request According to the Fair Credit Reporting Act ( FCRA ), I am exercising my rights under : - FCRA Section 609 ( a ) ( 1 ) : The right to request and receive full disclosure of all information in my file, include - FCRA Section 611 ( a ) : The right to dispute inaccurate, incomplete, or unverifiable information and request - FCRA Section 605B : The right to block or remove information resulting from identity theft or unauthorized These entries are causing significant harm to my creditworthiness. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) Section 611 and formally requesting a full reinvestigation into these accounts. If the accounts can not be verified with complete and accurate documentation from the original creditors, I request their immediate removal from my credit file.

Additionally, if verification is possible but late payment information is determined to be outdated or unreflective of my current payment history, I am requesting that the late payments be removed as a goodwill adjustment Please notify me in writing of the results of your reinvestigation within the timeframe permitted by law. I have included copies of my ID and proof of address for identity verification purposes.

Also to formally dispute the continued reporting of my student loans Under FCRA Section 609, I am requesting documented proof that I provided authorization for these inquiries. If this verification can not be provided, I request that these inquiries be permanently deleted from my Experian report.

These accounts are currently open and in good standing. However, the historical late payments reported are having a disproportionate and unfair impact on my creditworthiness.

1. 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information This law mandates that no financial institution shall disclose or share personal financial information without the consumers consent. Any reporting of my student loan information or any other data without my permission is a violation of this law.

2. FCRA Section 605B - Blocking of Information Resulting from Identity Theft This section protects consumers from having fraudulent information reported as a result of identity theft. Any information added to my credit report without my explicit authorization, as outlined under this law, must be removed immediately.

According to FCRA Section 605B, it is illegal to report anything on my credit report without my permission. Please remove this negative item. Thank you. 
3. 15 U.S. Code 1681n - Civil Liability for Willful Noncompliance Under this section, credit reporting agencies are liable if they willfully fail to comply with the FCRA. If you continue to report inaccurate information after receiving this dispute, you could be subject to damages. As a consumer, I reserve the right to pursue legal action if my rights under this section are violated.

4. FCRA Section 611 - Procedure in Case of Disputed Accuracy This law requires that if any item is disputed, the consumer reporting agency must investigate and respond promptly. Failure to do so could result in the violation of my rights under this section. 
5. FCRA Section 609 - Disclosure of Consumer Information and Disputes I am entitled to a full and accurate disclosure of my file to ensure that any negative item reported has been verified with proper authorization. I demand that these items be investigated and validated with the original creditor ; otherwise, they should be removed.

6. FCRA Section 623 - Responsibilities of Furnishers of Information Entities that furnish information to credit reporting agencies are required to provide accurate information. Any entity that has reported incorrect or unverifiable information is in violation of this law.

Additional Laws to Support My Dispute : 15 U.S. Code 1681c - Requirements Relating to Information on Consumers Negative information such as late payments should not be reported beyond the specified period. Any outdated or unverifiable negative information should be removed promptly.

15 U.S. Code 1692e - False or Misleading Representations Any false or misleading information on my credit report is a violation of this section, and the reporting agencies are legally obligated to rectify these errors.

I trust that you will act swiftly to investigate these accounts and remove any information that can not be verified or does not comply with the laws mentioned above. Failure to do so may result in further action to protect my rights under the Fair Credit Reporting Act and other consumer protection statutes.

These accounts are outdated, have questionable reporting accuracy, or no longer meet fair reporting standards under the FCRA. I am invoking my rights under : - * * FCRA 611 * * Right to dispute inaccurate or unverifiable accounts - * * FCRA 609 ( a ) ( 1 ) * * Right to receive and verify all information reported - * * FCRA 623 ( a ) ( 1 ) ( A ) * * Furnishers must not report known inaccurate data - * * FCRA 602 * * Ensures fairness, accuracy, and privacy in consumer reporting - * * FCRA 605 ( a ) ( 5 ) * * Obsolete or outdated information must not be reported If you can not verify these accounts with complete documentation from the data furnishers, they must be deleted immediately.

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