Consumer complaint received 2019-01-28
Company: Experian Information Solutions Inc.
State: MI
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:
Dear Sir, As per the Experian credit report dated XX/XX/XXXX, I observed that XXXX  ( XXXX XXXX XXXX XXXX, DE XXXX, ( XXXX ) XXXX ) did fraudulent inquiries dated XX/XX/XXXX and XX/XX/XXXX in my credit file. I did not contact XXXX  on these dates and these are fraudulent inquires on my credit report, which are associated to my name, my rental and business address, social, date of birth and various identification details.

Could CFPB direct Experian to explain the reasons in written letter ( one copy to CFPB and one copy to me for Honorable Court Proceedings ) for these inquiries dated XX/XX/XXXX, which were not authorized by me. Could CFPB direct Experian to remove XXXX   fraudulent inquiries dated XX/XX/XXXX and XX/XX/XXXX ( XXXX XXXX XXXX   XXXX, DE XXXX ) from credit report.

I had only two XXXX  credit cards, which were closed on XX/XX/XXXX and XX/XX/XXXX. I do not have any kind of business or loans or insurance with XXXX  for last 12 years.

XXXX has done considerable amount of Soft Inquiries in my credit report without my authorization and without my consent. This is the 14th Fraudulent inquiry for last one year ( XX/XX/XXXX and XX/XX/XXXX ) by XXXX  in my credit file. its a crime, fraud and identification theft if anybody has taken any home loan or personal loan or auto or insurance or any kind of financial activity or any kind of inquiry using my social, name, rental and business address and various identification details. Experian credit file has been locked on XX/XX/XXXX as per the Law Enforcement Directions, also for court records. Also, all my individual XXXX credit cards were closed on XX/XX/XXXX, I do not have any business with XXXX and I also do not have any plans to have any kind of business with XXXX  for endless/infinite period of time. Experian informed to CFPB that identity thieves can apply mortgage loan application, financial activity and insurance by doing soft inquiry on my credit file, which is causing considerable amount of damage and nuisance to me. I have informed to Experian to block all the promotional offers and all the credit inquiries in my file, also all the XXXX fraudulent soft inquires ( around 14 fraudulent inquiries for last one year, every complaint associated to CFPB complaint number ) but Experian itself entertaining these nonstop fraudulent inquiries and causing considerable amount of damage, nuisance, disturbance and privacy. Could CFPB kindly direct my complaint to Respective Federal and Start Sheriff 's office and initiate appropriate action against XXXX  and Experian. Experian holds the complete legal accountability and responsibility for any kind of tragedy and accountability for these nonstop XXXX  fraudulent inquiries in my credit report ( every month, most of the times XX/XX/XXXX or XX/XX/XXXX of every month, someone might have taken loan or insurance using my identity, social and various identification details ). There should not be any account associated to my name, social, rental and business address and any kind of identification details.

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