Consumer complaint received 2021-06-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Third or Fourth Attempt XX/XX/XXXX Attention : XXXX & XXXX XXXX Response Team, et. al. 
XXXX Reference Number : XXXX Consumer Financial Protection Bureau Case # XXXX Dear XXXX XXXX Team, et. al. 

This letter is your formal notice to Delete AND BLOCK your unauthorized hard inquiries into my credit report, and formal demand that you immediately contact the credit reporting agencies and credit bureaus, whereas your organization has made inquiries into my credit history. In which you all believe that I made the inquiry per internet and that the name and address on the application matches the information you provided to the Consumer Financial Protection Bureau. In addition, you all were also able to confirm your Social Security number, date of birth, and your phone number on the application matches to you. Thank you for giving me notice thAT WAS THE exact INFORMATION USED IN the act of it being used fraudulently. In the CFPBs complaint XXXX. I mentioned that I had indeed complained and disputed the accuracy of the reporting of the inquiry that appeared on my credit profile via Experian website portal on XX/XX/XXXX. I think per FCRA congress intentions were to inform the credit reporting agencies that ; consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Thus its their duty to contact you all and let you all know that its a dispute, identity theft report or inaccurate information. They furnished information as a third party. Per FCRA if that is correct then you all had notice, if Experian returned a letter via USP service, generally stating that you all had verified the inquiry back when this inquiry was first disputed ; on XX/XX/XXXX There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy and how that once private information furnished and maintain safe. Experian responded on XX/XX/XXXX. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicated that there is a fraudulent account and inquiries listed on the credit report. You are requesting for the account and inquiries to be deleted from the credit report. Upon further research and re-investigation, and in accordance with the FCRA, the inquiries associated with the account are in the process of being removed or not listed on the credit report. At your request to begin a reinvestigation, we are in the process of contacting the data furnisher ( s ) to verify the accuracy of the information with which you disagree. Along with that same complaint I gave them notice of the FTC Identity Theft Report. See Exhibit A : Updated Identity Theft Personal statement. 
Experian, concluded thier reinvestigation and state the following and they chose to remove the inquiry or not list the inquiry no longer without contacting You all. However after contacting you all as they advise. YOu all verified the inquiry overlooking and disregarding FTC report. Be advised, I thought that when identity theft is reported to the furnishers of the information, the account shall be blocked, the reporting of any information in the file of a consumer at that time, the consumer identifies as information that resulted from alleged identity theft ; not later than 4 business days after the date of receipt by such agency having a copy of the identity theft report thus giving them power delete inaccurate information on a consumer 's credit report. The following reporting agencies are still reporting this account, which has been reported as a result of identity theft. I will be checking my credit reports to ensure you have delete the following unauthorized inquiries removed : XXXX XXXX Cards Inquiry Date : XX/XX/XXXX Made by : Unknown people that are either staying or visiting in the house with me or People that frequently visit and gain access to sensitive areas. Ex. bedrooms or computer rooms ; areas where information like XXXX reported were used. 4 to 6 people during the year live at this house throughout the year. I do see your d Whereas, specifically what was Congress intent and purpose when a consumer uses an Identity Theft report aforementioned per FCRA. 
*NEW Info Alert* Enclosing, To my knowledge, willfully and intentionally, I have not applied, authorize or consent to sign any documents authorizing your organization to view my credit history via the internet nor benefited. I did not provide you all with my name, address, Social Security number, date of birth, or phone number on the application Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, This Transactions Not Initiated by ME. See Exhibit A : FTC Identity Theft Report Personal Statement. Experian I didnt receive any services from Citi and tell what kind of investigation was done by you all? Citi I didnt receive no services from you all -Minus account number?

- date account was open?

- date Closed? 
- amount charged? 
- Debt owed Finally, I request that this account be blocked within 4 days and deleted after your reinvestigation due to a Transaction being not initiated by me. For your records and mines send me confirmation that you have complied with my requests. Noncompliance and Negligence will be Clear now. I never Sincerely, 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