Consumer complaint received 2017-08-03
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As I described in a earlier complaint XXXX about XXXX and their unfair reporting by allowing ANY ONE OR ANY BUSINESS ENTITY CHECK MY PERSONAL CREDIT WITHOUT MY CONSENT OR KNOWLEDGE THE COMPANY STILL ALLOWS THE INQUIRY TO STAY ON MY REPORT FRAUDENTLY. I had to go to the local police agency and file a police report on fraud that these inquiries were checked without my consent or knowledge. I had to fax in a cover letter and the report and the listed complaint number I made with this agency on XXXX 's unfair business practices. Now, this complaint is on Experian and is even worse of a business practice. I called XXXX today on X/X/17 and told her the way XXXX fraudently checked my personal credit with out my consent or knowledge and that i did not even know the other company springleaf financial services at all what so ever and that from my past experience with XXXX I needed to obtain a fraud police report indicating that these were on my hard inquiry as fraud and needed to be removed asap because these false inquiries lower credit scores. I was told by XXXX at the Experian fraud department that I would have to go ask the companies in question to remove these inquires. I told her I have and have spent hours on the phone with XXXX and called XXXX XXXX and XXXX just put me on hold and switched me from department to department ultimately they hung up on me. XXXX when I called said they knew nothing of me and they could not do a thing to help me because a signature or some kind of authorization would be needed and I was not able to be found in thier system. So, Experian will not accept any other method of removing these fraudently made hard inquiries with out XXXX OR XXXX FULL CONSENT TO DO SO. I have to admit this is very very bad in light of all the idenity theft and abuse going on. I would like this Federal agency to refer this to the FTC ON BOTH XXXX and Experian on thier bad and unfair business practices. What I mean by unfair is that since anyone or anybody can pull anyones credit without consent or any penlity and hurt and diminish the innocent and now a victims credit score is very unfair to say the least. Please investigate Experian and XXXX on these unfair and bad business practices. the only thing I noticed the credit reporting agencies will do is sell the victim a idenity theft package for money and protection. I think that since these reporting agencies know and allow this unfair behavior go on and do nothing about it, they should have some obligation to validate the truth and what or who is trying to check and pull credit reports. These reporting agencies sure have alot to sell you, so maybe that is why they do not do a thinf to help you when the tax paying citizen becomes a victim.

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