Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I orginally submitted a complaint staing he following XX/XX/XXXX th I have reached out via certified mail and phone regarding issue of unauthorized inquiries on y credit report. I sent certified mail XX/XX/22, XX/XX/22, XX/XX/22 and a followup phone call XX/XX/22 which resulting in a hour long wait and then being hung up on. I informed them that I have noticed a number of hard inquiries that I did not authorize nor apply my signature to nor are attached to any account I possess and having these inquiries in error on my report is preventing me from obtaining new credit. and I need removed immediately. No response. 

I then receive a response XX/XX/XXXX stating the following We have reviewed and considered the information you have supplied, including XXXX attachment, through the CFPB portal and directly to Experian. In your complaint, you indicate there are multiple unauthorized inquiries on your credit report. In your complaint, you are requesting to delete immediately unauthorized inquiries on your credit report. Regarding XXXX inquiries, according to our records, the disputed information does not appear on your current Experian credit report. Regarding several inquiries, by federal law, your personal credit report must list all organizations that have requested your credit history. In accordance with the Fair Credit Reporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about credit information. For example, organizations that have granted you credit or with whom you have applied for credit, or entities collecting on transactions that you initiated or on judgments rendered against you, are permitted to make inquiries on your credit report According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding your dispute. When we contact the furnisher or vendor, we ask that they verify all of the information regarding the item you disputed and report back within 30 days of the date that we received your request ( 21 days for Maine residents ). To help resolve the dispute, we will review all relevant documents submitted with the dispute and will forward them to the furnisher if we are unable to resolve the issue. We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information, as appropriate. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results. If you believe the information in your personal credit report is inaccurate, you may submit a dispute to us. If any item of information is found inaccurate, incomplete or can not be verified through our dispute process, we will then delete that information, or modify that information, as appropriate. 


SO AGAIN, with all his being said NO ONE NOT ONE OF HESE CREDITORS LISTED HAD PERMISSBLE PURPOSE OR WRITTEN CONSENT OR AUTHORIZATION FROM ME TO RUN A CREDIT INQUIRY WHICH IN WORDS OF FEDERAL LAW IS A COMPLETE VIOLATION OF FEDERAL LAW. You also said your dispute process is o ge documentation or proof to verify my consent and permissible purpose for these unauthorized inquiries was that obtained? because i have not been presented any proof. and that is because there is none because they are unauthorized. Thus must be DELETED IMMEDIATELY or provide me proof of my authorization, signature of consent to these inquiries ....

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