Consumer complaint received 2018-12-31
Company: Experian Information Solutions Inc.
State: MI
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:
Dear Sir, As per the Experian credit report dated XXXX XX/XX/2018, I observed that XXXX ( XXXX XXXX XXXX XXXX, DE XXXX, ( XXXX ) XXXX ) did fraudulent inquiry dated XX/XX/2018 in my credit file. I did not contact XXXX  on these dates and these are fraudulent inquires on my credit report, which are associated to my name, address, social, date of birth and various identification details. Could CFPB direct Experian to explain the reasons in written letter ( one copy to CFPB and one copy to me for Honorable Court Proceedings ) for these inquiries dated XX/XX/2018, which were not authorized by me. Could CFPB direct Experian to remove XXXX fraudulent inquiries dated XX/XX/2018 ( XXXX XXXX XXXX XXXX, DE XXXX ) from credit report. I have received the hard copies of all experian credit report, where XXXX has done considerable amount of fraudulent inquires in my file. I am going to send the FAX of these report to FBI, State officers and Media.Could CFPB store my CFPB complaints in the data base, FTC records, and  identification theft and misrepresentation/fraud activity records. I had only two XXXX credit cards, which were closed on XXXX XXXX and XXXX XXXX. I do not have any kind of business or loans or insurance with XXXX for last 12 years. XXXX has done considerable amount of Soft Inquiries in my credit report without my authorization and without my consent. This is the 12th Fraudulent inquiry in XX/XX/2018 ( dated XX/XX/2018 ) by XXXX  in my credit file. its a crime, fraud and identification theft if anybody has taken any home loan or personal loan or auto or insurance or any kind of financial activity or any kind of inquiry using my social, name, address and various identification details. Experian credit file has been locked on XXXX XXXX as per the Law Enforcement Directions, also for court records. Also, all my individual XXXX  credit cards were closed on XX/XX/2018, I do not have any business with XXXX and I also do not have any plans to have any kind of business with XXXX for endless/infinite period of time. Experian informed to CFPB that identity thieves can apply mortgage loan application, financial activity and insurance by doing soft inquiry on my credit file, which is causing considerable amount of damage and nuisance to me. I have informed to Experian to block all the promotional offers and all the credit inquiries in my file, also all the XXXX  fraudulent soft inquires ( around 12 fraudulent inquiries in XX/XX/2018 itself, are associated to CFPB complaint number ) but Experian itself entertaining these nonstop fraudulent inquiries and causing considerable amount of damage, nuisance, disturbance and privacy. Could CFPB kindly direct my complaint to Respective Federal and Start Sheriff 's office and initiate appropriate action against XXXX and Experian. 
Experian holds the complete legal accountability and responsibility for any kind of tragedy and accountability for these nonstop chase fraudulent inquiries in my credit report ( every month, most of the times XXXX of every month, someone might have taken loan or insurance using my identity, social and various identification details ).

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