Consumer complaint received 2021-09-22
Company: Experian Information Solutions Inc.
State: WA
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:
XX/XX/XXXX Regarding XXXX Complaint with XXXX XXXX XXXX, dba : XXXX XXXX XXXX XXXX, Business License # XXXX with Oregon DMV license Expired as XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OR XXXX Employees involved in violating financial Privacy Act Laws : XXXX XXXX ; XXXX XXXX and XXXX XXXX Emails : XXXX ; and XXXX ; and XXXX To whom it may concern, XXXX XXXX XXXX ; dba : XXXX  XXXX XXXX XXXX , employee, XXXX XXXX ; Regional Finance Director ; made several unauthorized hard inquires with all three credit reporting agencies ( XXXX, XXXX XXXX and Experian ), along with submitting a unauthorized electronic loan application ( s ) to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX through the XXXX system pertaining to my husband XXXX XXXX XXXX and myself XXXX XXXX XXXX , between the time frames of XX/XX/XXXX through XX/XX/XXXX. 

These hard inquires was submitting to the two Credit Unions for a RV loan that was NOT authorize orally, written or electronically by myself or my husband XXXX XXXX. We did NOT agree to have our credit pulled in XX/XX/XXXX for any reason with this company. 

The XXXX  application submitted by XXXX XXXX to XXXX on XX/XX/XXXX at XXXX, application number XXXX was decline based on how she submitted incorrect information and submitted as joint and non-spousal which made it appear as a co-sign loan. This was also submitted the same way to XXXX XXXX. 

XXXX has been working side by side with XXXX XXXX who signed a purchase order on XX/XX/XXXX without our knowledge or our signatures, XXXX and I bought a camper from this company on XX/XX/XXXX and signed a contract to only have a loan with one credit report pulled. The loan was secured and is active through XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX did fund the loan to the dealership on XX/XX/XXXX. My loan started with that credit union on XX/XX/XXXX and is current ever since. 

XXXX XXXX and XXXX XXXX was out of bounds to submit additional hard inquires and applications for a loan 95 days after the XXXX loan was funded through XXXX XXXX XXXX XXXX and 103 days after we purchased a vehicle from this XXXX XXXX XXXX ; dba : XXXX XXXX XXXX XXXX. 

This two employees have damage our credit scores by 20 points in 6 days and caused me to be denied credit with a personal loan for covering my medical bills on a XXXX XXXX. 

I want these two employees of XXXX XXXX XXXX ; dba : XXXX XXXX XXXX XXXX to be prosecuted to the fullest of the Privacy Act Law with seeking financial and emotional damages that their actions has caused me. Also, I also want ALL inquiries from this company and the submitted loan applications that XXXX XXXX fraudulently submitted to XXXX XXXX XXXX XXXX and XXXX to be removed as well. 

On top of this, XXXX XXXX submitted a title application electronically in XX/XX/XXXX with Washington State department of License without our signatures. XXXX XXXX refused to send the original title application to Washington State in the time allowed by the laws that cover the States of Oregon and Washington. 

XXXX XXXX should not be allowed to practice in a financial role where social security numbers and credit reporting is accessible to her needs for a business. 

Please see the attachments. 

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Phone= XXXX Email : XXXX 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