Consumer complaint received 2024-12-13 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: TX

Complaint narrative:
Unauthorized Credit Inquiries Reported by Experian I am filing this complaint regarding multiple unauthorized inquiries listed on my Experian credit report. These inquiries are not associated with any accounts or credit applications initiated by me, and I have no knowledge of their origin. Despite my efforts to dispute these inquiries directly with Experian, they remain on my credit report, causing undue harm to my creditworthiness and financial standing.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), consumer reporting agencies are required to ensure that inquiries reported on credit files are permissible. Inquiries are only permissible if they are made with consumer consent, for the extension of credit, for employment, or for other lawful purposes explicitly allowed under the FCRA. The inquiries in question do not meet these criteria, making their inclusion a violation of federal law.

Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate information on my credit report, and the credit bureau is obligated to conduct a reasonable investigation into such disputes. Despite my disputes and the submission of supporting documentation, Experian has failed to adequately investigate or remove these unauthorized inquiries. 

The continued presence of these inquiries on my credit report reflects negatively on my financial behavior and unfairly lowers my credit score. This directly impacts my ability to secure loans, mortgages, and other financial opportunities.

Resolution Requested : I request that Experian conduct a thorough investigation into these inquiries and immediately remove all unauthorized and inaccurate inquiries from my credit report.

I also request that Experian provide an explanation of how these inquiries were added to my report without my consent and detail the steps they will take to prevent such occurrences in the future.

Ensure compliance with the FCRA and other applicable laws to protect consumers like myself from unwarranted harm. 
Thank you for your attention to this matter. I look forward to your assistance in resolving this issue and restoring accuracy to my credit report. 


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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