Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14619317
Complaint Overview
Complaint ID: 14619317
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: South Carolina
ZIP Code: XXXXX
Date Received: 2025-07-12T12:00:00-05:00
Date Sent to Company: 2025-07-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Thank you, XXXX. Based on the information you provided, heres a complete inquiry removal request letter you can send to Experian, TransUnion, and Equifax regarding multiple unauthorized inquiries between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX To : Experian XXXX XXXX XXXX XXXX TX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax Information Services XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Request for Removal of Unauthorized Inquiries Under FCRA To Whom It May Concern, I am writing to dispute multiple unauthorized hard inquiries listed on my credit report. I have reviewed my credit reports from all three bureaus and noticed the following inquiries between XX/XX/XXXX and XX/XX/XXXX, which I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 604 [ 15 U.S. Code 1681b ], credit inquiries are only permitted with the consumers authorization or for other legitimate reasons as outlined in the law. I did not apply for credit or authorize any of these entities to access my credit file during the specified period. Please conduct a formal investigation into these inquiries. If you can not provide documented proof that I authorized them, I request that you immediately remove each of these inquiries from my credit report. Additionally, please provide me with : The results of your investigation in writing, and An updated copy of my credit report reflecting the removal of any unauthorized inquiries. Thank you for your prompt attention to this matter. I look forward to resolving this dispute within the 30-day period as required by law. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #14619317 about?
Complaint #14619317 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 2025-07-12T12:00:00-05:00.
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.