Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11474682
Complaint Overview
Complaint ID: 11474682
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: Florida
ZIP Code: 32832
Date Received: 2025-01-10T12:00:00-05:00
Date Sent to Company: 2025-01-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Experian, I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting and protection against inquiries made without my consent. Specifically, 15 U.S.C. 1681b mandates that a party must have a permissible purpose to access my credit report, and these inquiries do not meet that standard. I had a conversation with the dealership and made it explicitly clear that I only wanted my credit application to be submitted to one bank. Despite their attempts to convince me that submitting it to multiple lenders would improve my chances of approval, I firmly declined, emphasizing my concern about accumulating multiple hard inquiries on my credit report. However, they disregarded my instructions and submitted my information to several lenders without my explicit authorization. I later reached out to the dealership for an explanation, but they were unable to provide a satisfactory response. Furthermore, they made no effort to address or rectify the issue, leaving me deeply disappointed with their handling of this matter. This violates FCRA requirements. The inquiries in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries were not authorized by me. I request that Experian investigate these inquiries and remove them from my credit report. Additionally, under 15 U.S.C. 1681i, you are required to conduct an investigation within 30 days and notify me of the results. Please confirm the removal of these inquiries or provide documentation showing permissible purpose and my consent. If Experian fails to address this matter, I will consider pursuing remedies under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. Thank you for your prompt attention to this matter. I look forward to your response.
Frequently Asked Questions
What is Complaint #11474682 about?
Complaint #11474682 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-01-10T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.