Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: GA
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:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Companies XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX ; XXXX  XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX, personal XX/XX/XXXX XXXX XXXX  Personal Loan Companies XX/XX/XXXX ; XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX Banks and XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX Auto Financing XX/XX/XXXX ; XXXX XXXX Auto Financing XX/XX/XXXX ; XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX ; XXXX XXXX Auto Financing XX/XX/XXXX ; XXXX XXXX, personal XX/XX/XXXX XXXX XXXX/XXXX  Banks and XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  Personal Loan Companies XX/XX/XXXX ; XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Purchase Finance XX/XX/XXXX ; XXXX XXXX Auto Financing XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Automobile Dealers, New XX/XX/XXXX ; XXXX XXXX XXXX  Automotive XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX ; XXXX XXXX XXXX  XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX ; XXXX  XXXXXXXX XXXX XXXX Companies XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX All Banks - non specific XX/XX/XXXX ; XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX ; XXXX XXXX Auto Financing XX/XX/XXXX ; XXXXXXXX XXXX XXXX Automobile Dealers, Used XX/XX/XXXX ; XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Companies XX/XX/XXXX ; XXXX  XXXX Auto Financing XX/XX/XXXX ; XXXX XXXX, personal XX/XX/XXXX ; XXXX XXXX Auto Financing Companies XX/XX/XXXX ; XXXX XXXX XXXX All Banks XX/XX/XXXX ; XXXX XXXX Auto Financing XX/XX/XXXX ; XXXX XXXX XXXX Finance, personal XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Companies XX/XX/XXXX ; XXXX  XXXXXXXX XXXX XXXX  XXXX XXXX Companies XX/XX/XXXX ; XXXX XXXX Auto Financing XX/XX/XXXX ; XXXX  XXXX Auto Financing XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX, personal XX/XX/XXXX ; XXXX XXXX XXXX  XXXX, personal XX/XX/XXXX ; XXXX/XXXX  XXXX, personal XX/XX/XXXX ; XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX ; XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

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