Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: DE
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:
Congress has made it clear that Experian has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of nonpublic personal information. Due to Experian 's failure to maintain the integrity of my nonpublic personal information, my consumer report has been jeopardized. 

On XX/XX/XXXX XXXX est I reached out to Experian by phone to dispute unauthorized hard inquiries on my consumer report. As a federal protected consumer I am aware that Experian may furnish a consumer report under the following circumstance and no other, which is with my written instruction, which I did not give. I explained that, I did not authorize nor consent to the furnishing of my nonpublic personal information and that permissible purpose is needed to furnish my nonpublic information. I made Experian aware that unauthorized use of my credit card under federal law is defined as identity theft. I exercised my right to privacy and demanded deletion of the inquiries on my consumer report. Experian provided me with a dispute number XXXX and advised that inquiries would be removed from the report within 24-48 hours. Below is the list of inquires removed from my report : XXXX. XXXX XXXX- XX/XX/XXXX XXXX. XXXX XXXX- XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX- XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX- XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/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 XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX On XX/XX/XXXX I sent Experian an invoice for civil liability for willful noncompliance, by certified mail. On XX/XX/XXXX Experian responded ( dispute number : XXXX ) advising that they are required by federal law to keep a record of all companies that have requested my credit information and to display the names of the requesting company. I was also advised that companies who have certified to Experian that they have permissible purpose under the FCRA may receive credit information about a consumer. Per my initial dispute on XX/XX/XXXX Experian is aware that unless they receive permissible purpose from the consumer in which the report relates. The false statement from Experian gives reasonable cause to believe that the inquires furnished on my report was done so in bad faith. Furthermore, as a consumer I do not apply for credit, I extend credit. Experian may only furnish reports in connection with credit transactions that are not initiated by the consumer if I authorized Experian to provide such information. Unless Experian can prove proof of permissible purpose I demand that Experian be held liable for failure to comply with federal laws. 

Attached is my consumer report from XX/XX/XXXX and XX/XX/XXXX to provide proof that unauthorized inquires have been removed and the invoice for violations committed by Experian. If Experian does not honor my request I will file for litigation in judicial court.

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