Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: PA
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

Complaint:
I am writing to formally address significant violations in my Experian credit report. 
regarding the presence of unauthorized inquiries and impermissible access to my credit report. Despite my previous communication through a letter sent to Experian on XX/XX/XXXX, these violations persist, and additional unauthorized and impermissible inquiry accesses have appeared on my credit report. 
Upon reviewing my credit report and Experian investigation it is evident that unauthorized inquiries, and impermissible access to my credit. 
report is a ( continual ) association with my credit history. These impermissible access of unauthorized inquiries has been made and has hindered my credit score and overall financial status.

I've had 4 fraudulent problems with money taking out of my accounts, atm, etc. in a year. Due to this easy access to my accounts, I decided to investigate my credit report. I locked my accounts until we could get this matter resolved. This was done right after I pulled my reports, as recommended through my advisor who is assisting in my theft recovery. I did file a fraud report for one of the companies and we are awaiting the results. 

Checking my credit is something honestly, I haven't done regularly, not just from being neglectful, but becoming a caregiver to my husband who had XXXX took priority. I knew where my credit score was last time, I checked in XXXX during the purchasing of my car. Everything was fine so there no need to check anything. So, I thought. I pulled my credit report late XX/XX/XXXX, due to more fraud, and submitted letters to all three-credit bureau to dispute inaccurate inquiries, address removals, closed, collections, late payments, etc. These things I know with an honest assessment were inaccurate in my report. So, after submitting the letters I received my report back from Experian who only removed 2 addresses. As I looked more carefully at the report, they sent back from their investigation there ended up with 17 new inquires that was not in my initial report that I pulled and submitted to Experian ( this number was added to the original number of 9 inquiries I was disputing earlier ). This made a total of 26-27 inquiries from Experian alone. Again, I still didn't identify them because I didn't give anyone consent to mess with my credit report. What I did notice is the company who I locked my information with on late XX/XX/XXXX ( between XXXX give or take ) XXXX pulled my credit XXXX 's in XX/XX/XXXX, Experian had XXXX my credit report XXXX 's between late XXXX and XX/XX/XXXX without my consent or acknowledgement. I just learned about XXXX because of the fraud with the bank and bank cards. I have a huge number of inquiries hard and soft pulls for XXXX alone. I believe, I have been violated of my right to properly dispute the inaccuracies on my reports. My credit report looks as if it was tampered with and revised/updated. I have the original copy of my report from Experian and none of the information from their investigation was in my XXXX report used to do my removal letters. The only thing that is accurate is my student loans, which are in good standing. I haven't been to school since XXXX because of my husband contracting XXXX. So, I knew what was on my report at that time. It was only after I submitted my disputes that this information of more mishaps was revealed. Furthermore, if this is true from what I am learning so far, it is impermissible access for XXXX, Experian, and any other entities to utilize unauthorized pulling of a consumer 's credit report? If so I believe my rights have been violated, according to the FCRA act. We just don't know how much violation has taken place. 

Thank You for you immediate attention.

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