Consumer complaint received 2022-11-28
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX XXXX NC XXXX Experian XXXX XXXX XXXX, XXXX XXXX TX XXXX XX/XX/XXXX RE : Concerns of Inquiries Reported/ I Received No Proof from Company When Requesting Proof. I have not applied for any type of credit for that I can recall for the past 24 months. 


Dear Experian I just noticed inquiries on my credit report that I have no knowledge of. I have NOT given ANYONE permission or consent to view, access or use my credit report for ANY reason, as I have not applied for credit for almost 2 years. I am giving you as much information as I can to help you with this re-investigation demand so please feel free to utilize this information. 

According to Section 604 FCRA, I would greatly appreciate if you would kindly provide me for what they call a permissible purpose or proof that I applied or initiated these inquiries from each company as I am concerned about my security and privacy of my credit, something that I take pride in. I also understand that written authorization for all inquiries listed have to be documented and proven if reported. If you have NO proof or evidence with supporting documents, please have these unauthorized inquiries deleted immediately. 

If concluded online or internet, please provide the IP Address associated with the authorized inquiry which I seem to have serious doubts it was done. 

I have also contacted the creditor in question and they claim they have NO proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide to me a permissible purpose or proof and now for me, this is a major concern. Because they do not have my proof of authorization, whether written or verbal, I am demanding you to kindly delete these inquiry ( s ) from my credit report of XXXX, because it is unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose. Once again, I can assure you I have not applied for any type of credit for almost 2 years because I have not had to do such a thing, thankfully. 

Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently. Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete. 


The following companies did not have permission or authorization to request my credit report : Alleged Inquiry : Experian XXXX XXXX, XX/XX/XXXX, was never authorized Alleged Inquiry : XXXX XXXX XXXXXXXX, XX/XX/XXXX, was never authorized Alleged Inquiry : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, was never authorized I am concerned because I did not apply for credit with these companies. I demand the deletion of these unauthorized, unproven, non-compliant, and unverified inquiries as required by law if unproven with an actual purpose that was not concluded by me Please help me and mail a new credit report when these unknown inquiries have been deleted. 

Thanks for your cooperation, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NC XXXX

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