Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting this expedited follow-up complaint against Experian, Equifax, and TransUnion for their ongoing failure to remove or verify numerous unauthorized and unverifiable credit inquiries that remain on my consumer reports. Despite my prior formal dispute and reinvestigation request under FCRA 611 [ 15 U.S.C. 1681i ], these credit reporting agencies have failed to comply with their legal duty to conduct a reasonable, good-faith reinvestigation of the disputed items and to correct or delete information found to be inaccurate or unverifiable.

Under FCRA 604 ( a ) ( 3 ) [ 15 U.S.C. 1681b ( a ) ( 3 ) ], a consumer report may only be furnished for a permissible purposesuch as an application initiated by the consumer or other expressly authorized transactions. The inquiries listed in my prior complaint, originating from entities including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others, were neither initiated nor authorized by me. Their continued presence constitutes an unlawful access to my consumer data.

Additionally, FCRA 605 ( a ) ( 5 ) prohibits the inclusion of obsolete or misleading information, and 607 ( b ) mandates that consumer reporting agencies maintain procedures to ensure maximum possible accuracy. The repeated listing of inquiries from the same furnishers within short periods demonstrates systemic procedural failures and a breach of this statutory obligation.

Under FCRA 609 ( a ) ( 1 ), I am entitled to full disclosure of the identities of all parties that accessed my credit file and the specific basis for such access. Despite multiple written requests, the bureaus have failed to provide verifiable documentationsuch as signed applications or electronic consent formsdemonstrating that any permissible purpose existed for these inquiries. This ongoing noncompliance is a direct violation of both FCRA 609 ( a ) ( 1 ) and 610 ( a ), which requires that consumer disclosures be complete and accurate.

Moreover, FCRA 623 ( a ) ( 1 ) ( A ) explicitly prohibits furnishers from reporting information they knowor should reasonably knowto be inaccurate. The persistence of these inquiries, after multiple disputes, demonstrates not only negligence but willful noncompliance as defined under FCRA 616 [ 15 U.S.C. 1681n ] and 617 [ 15 U.S.C. 1681o ], making the bureaus subject to civil liability and statutory damages.

It is also worth noting that the presence of unauthorized inquiries constitutes a breach of my privacy rights under FCRA 602 ( a ), which establishes Congresss intent to protect consumers from the dissemination of inaccurate or improper credit data. The ongoing failure to delete these unverifiable inquiries has caused material harm, including credit score reduction, adverse lending decisions, and emotional distress from repeated violations of my consumer rights.

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