Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: FL
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:
This Dispute Letter is being submitted in light of the recent Overhaul of Consumer Records by the XXXX XXXX XXXX. I have recently paid for a copy of my credit reports, looked at my credit file, as is being reported by you, and noticed there are several inaccurate, unverified accounts and/or items on my report. This means that the below-listed accounts were not opened by me and that I did not profit or gain anything from these accounts having been opened under my name. 
Additionally, this letter is a XXXX Request to remove all other names, addresses, birthdates, social security numbers, or phone numbers that are not consistent with the above-referenced information and confirmed by the attached copy of my Driver 's License, Social Security Card , and Proof of Address. 
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else who did these that I d id not know. 
They are listed as follows : XXXX : Account number : XXXX, Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. Delete! 
XXXX : Account number : XXXX, Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. Delete! 
XXXX XXXX : Account number : XXXX, Under XXXX XXXX Code XXXX Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. Delete! 

Finally, you are reporting the Inquiries that are the result of the same type fraudulent activities. According to Section 604 of the FCRA, would you kindly provide me permissible purpose, proof that I initiated these inquiries and written authorization for all inquiries listed on my credit report. If you have No Proof, please delete these inquiries immediately. 
I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization and have failed to provide permissible purpose. 
Since, they do not have my authorization, written nor verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose. 

According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/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