Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To start things off, 15 days should be enough time for your company to send me the information that Im requesting regarding the last investigation you did on the following accounts listed below : XXXX XXXX | XX/XX/XXXX : EXPERIAN XXXX XXXX  | XX/XX/XXXX : XXXX XXXX | XX/XX/XXXX : XXXX XXXX | XX/XX/XXXX : XXXX XXXX | XX/XX/XXXX : XXXX XXXX XXXX | XX/XX/XXXX : XXXX XXXX XXXX | XX/XX/XXXX : XXXX | XX/XX/XXXX : XXXX XXXX XXXX | XX/XX/XXXX : You verified these accounts pretty fast. I have a simple request. What procedures does your company have in place to investigate accounts? Can you send me a copy of those procedures? Second, what data are you basing your verification on? Please send that to me also. I want to make sure you are following the law. 

The furnished is in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for a permissible purpose. 
A person shall not use or obtain a consumer report for any purpose unless ; The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by a consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 


I have not initiated any transaction with these entities, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to First Name, Last Name to the address { Your Address here } If for some reason, you choose not to investigate, or send me another letter stating that you have already verified the account, I will do the following : ( XXXX ). File a complaint with the Attorney Generals Office. 

( XXXX ). File a complaint with the Consumer Financial Protection Bureau. 

( XXXX ). Explore all legal options on this matter. 

I dont want it to come to this. Please delete the account immediately. 

Its your duty, mandated by law, to reinvestigate any dispute sent by consumers. The furnisher never provided proof that the account listed above belongs to me. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 

I am tracking all communications via certified mail and spreadsheet. 

CC : FTB, XXXX, CFPB

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