Consumer complaint received 2023-02-04
Company: Experian Information Solutions Inc.
State: FL
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:
I've tried 3 time to resolve this with Experian but was not resolved.

The issue is : Hard Inquiries on my report due to NO PERMISSIBLE PURPOSE AND DATA BREACH OR DATA LEAK CDIA compliance and regulatory guidelines for Metro 2 and Metro 4 users such as your Credit Reporting Agency states that credit reporting by Credit Reporting Agencies should be done based on accuracy, consumer access, correction, cyber security and privacy. 

This request is to confirm current reporting of the hard inquiries were not obtained using permissible purpose guidelines, in addition to being accurate, complete, meets timelines, and meets compliance based on FEDERAL AND STATE REPORTING STANDARDS concerning law, compliance and data security regulations.

None of the inquiries listed below were provided using Permissible Purpose for accessing my credit reports as The FCRA lists a number of permissible purposes for accessing consumer reports, as noted in Section 604 ( a ) ( 3 ) A-G.

Accessing an individuals consumer report can only be done in accordance with the laws requirements. To access and use a consumer report for other purposes is illegal and subject to criminal penalties.

Please remove the following inquiries from my report because they were not obtained using Permissible Purpose XXXX XXXX XXXX  Remove Inquiry Was Not Obtained Using Permissible Purpose XXXX XXXX XXXX Remove Inquiry Was Not Obtained Using Permissible Purpose XXXX XXXX XXXX XXXX  Remove Inquiry Was Not Obtained Using Permissible Purpose XXXX XXXX XXXX Remove Inquiry Was Not Obtained Using Permissible Purpose XXXX XXXX XXXX XXXXXX/XX/XXXX Remove Inquiry Was Not Obtained Using Permissible PurposXXXX XXXX XXXX XXXX XXXX Remove Inquiry Was Not Obtained Using Permissible Purpose XXXX XXXX XXXXXX/XX/XXXX Remove Inquiry Was Not Obtained Using Permissible Purpose XXXX XXXX XXXX XX/XX/XXXX Remove Inquiry Was Not Obtained Using Permissible Purpose XXXX XXXX XXXX XX/XX/XXXX Remove Inquiry Was Not Obtained Using Permissible Purpose XXXX XXXX XXXX XXXX XX/XX/XXXX Remove Inquiry Was Not Obtained Using Permissible Purpose XXXX XXXX XXXX XX/XX/XXXX Remove Inquiry Was Not Obtained Using Permissible Purpose In addition, your company, is a CRA ( Credit Reporting Agency ) that is mandated by : The Gramm Leach Bliley Act The main law mandating that CRAs ensure the security and confidentiality of personal information is the Gramm Leach Bliley Act ( GLBA ) enacted in 1999. As a Financial Institution under GLBA, credit bureaus are subject to significant regulation relating to data security through Section 501 ( b ), which requires the Federal Trade Commission ( FTC ) to promulgate rules to require financial institutions to have measures in place to keep customer information secure. 

Since this is my 3rd request, please act quickly in removing the inquiries and once complete, mail me an updated copy of my credit report via USPS Mail showing the results.

Please remove the following inquiries from my report because they were not obtained using Permissible Purpose

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 non-monetary relief