Consumer complaint received 2018-08-23
Company: Experian Information Solutions Inc.
State: AZ
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:
I have recently filed a compaint about XXXX XXXX obtaining a copy of my credit file on XX/XX/2017 without a permissible purpose which resulted in a hard inquiry on my file. The complaint was sent to Experian who responded, but they did not address my complaint. 
Experian response only states information about inquiries and did not address the permissible purpose why they gave XXXX XXXX a copy of my credit file. 
Also, the address that is shown on my credit file for the company is invalid, mails are not deliverable to them with this address. 

My complaint stated that- 1 ) XXXX XXXX has no permissible purpose to obtain my credit file and 2 ) has false information reported on my credit file. 

According to the FCRA a user must have a permissible purpose. This is also posted on Experian website - https : //connect.experian.com/legal/fcra-obligations.html A. Users Must Have a Permissible Purpose Congress has limited the use of consumer reports to protect consumers ' privacy. All users must have a permissible purpose under the FCRA to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. These are : - As ordered by a court or a federal grand jury subpoena. Section 604 ( a ) ( 1 ) - As instructed by the consumer in writing. Section 604 ( a ) ( 2 ) -  For the extension of credit as a result of an application from a consumer, or the review or collection of a consumer 's account. Section 604 ( a ) ( 3 ) ( A ) - For employment purposes, including hiring and promotion decisions, where the consumer has given written permission. Sections 604 ( a ) ( 3 ) ( B ) and 604 ( b ) - For the underwriting of insurance as a result of an application from a consumer. Section 604 ( a ) ( 3 ) ( C ) - When there is a legitimate business need, in connection with a business transaction that is initiated by the consumer. Section 604 ( a ) ( 3 ) ( F ) ( i ) - To review a consumer 's account to determine whether the consumer continues to meet the terms of the account. Section 604 ( a ) ( 3 ) ( F ) ( ii ) - To determine a consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status. Section 604 ( a ) ( 3 ) ( D ) - For use by a potential investor or servicer, or current insurer, in a valuation or assessment of the credit or prepayment risks associated with an existing credit obligation. Section 604 ( a ) ( 3 ) ( E ) - For use by state and local officials in connection with the determination of child support payments, or modifications and enforcement thereof. Sections 604 ( a ) ( 4 ) and 604 ( a ) ( 5 ) As stated in my previous complaint I have never done any business with this company and I did  not give them permission to obtain a copy of my credit file. Please provide proof to me that XXXX XXXX had a permissible purpose or any permission given by me to obtain a copy of my credit file. If you can not provide proof of permissible purpose or permission by me, remove this hard inquiry from my credit file.

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