Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14500995
Complaint Overview
Complaint ID: 14500995
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: Reporting company used your report improperly
State: Connecticut
ZIP Code: 06604
Date Received: 2025-07-05T12:00:00-05:00
Date Sent to Company: 2025-07-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/year> Subject : Cease and Desist Request for Removal of Unauthorized or Excessive Inquiries Under 15 U.S.C. 1681 To Whom It May Concern, I am writing to formally dispute and request the removal of 74 inquiries & 3 hard inquiries currently appearing on my credit report. These inquiries are either unauthorized, excessive, or were not initiated with my consent, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. According to FCRA 1681b ( c ), no entity may obtain a consumer report or initiate a hard inquiry unless it is done with the consumers explicit authorization and for a permissible purpose such as a credit application, rental agreement, or other valid transaction. I have not authorized such a high number of hard inquiries, and many of these entries have appeared without my knowledge, consent, or legitimate business purpose. As a result, I am formally demanding that you : 1. Cease and desist from further sharing or distributing my consumer report without my explicit written consent. 2. Immediately remove all unauthorized or excessive hard inquiries from my credit report. 3. Provide me with a detailed list of each entity that requested access to my credit file, including the purpose of the inquiry, the date, and a copy of any documentation you have on file showing my consent. 4. Confirm that you have completed this action in writing within 30 days, as required under federal law. These inquiries are negatively impacting my credit score and misrepresent my financial behavior. Failure to remove unauthorized inquiries or respond within the legal timeframe may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially legal action for willful noncompliance with FCRA obligations. This letter is sent via certified mail with return receipt requested to maintain a documented record of this dispute and request. Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of the removal of these unauthorized inquiries within 30 days. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #14500995 about?
Complaint #14500995 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 2025-07-05T12:00:00-05:00.
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.