Consumer complaint received 2019-01-17
Company: Experian Information Solutions Inc.
State: FL
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:
NO, THIS IS NOT A DUPLICATE. This complaint is in response to Experian 's 12-day " investigation '' into INQUIRIES that are ILLEGALLY REPORTING in my credit file, as they do not have permissible purpose to be there! I KNOW MY RIGHTS AS A CONSUMER. I KNOW THE LAWS IN PLACE TO PROTECT ME AS A CONSUMER. Experian dismissed consumer law in order to protect their illegal actions against my credit file! They responded to a previous complaint ( which was submitted on XX/XX/XXXX ) on XX/XX/XXXX with complete nonsense : " The inquiries shown on a credit report are a factual record of the companies who have accessed and reviewed a consumers profile. They are only logged on the report, when in fact, an inquiry was made. A record of this activity, pursuant to federal law, must remain a part of record. Please note that Experian does not receive a copy of any applications made to credit grantors. '' Who were the inquiries made by, Experian? Who requested and signed for an inquiry to be made -- if there's even a signature?? You wouldn't know BECAUSE YOU DON'T EVEN KEEP RECORDS! ANYBODY can pull a file and LEAVE IT THERE ILLEGALLY. You even state that you do not have any record of applications -- NO PROOF. Aside from the matter of lack of permissible purpose, how are these inquiries " factual '' when you have no proof??? Reporting random info from companies doesn't make the content right or legal! You're also ignoring the FACT that inquiries are supposed to be removed if they're not there as a pull for EMPLOYMENT, INSURANCE, COURT ORDER, or IN CONJUNCTION WITH A SOLID OFFER OF CREDIT. What you ACTUALLY do is use faulty 3rd parties, XXXX and XXXX XXXX XXXX , XXXX ( XXXX ) in order to " verify '' info, which is extremely dangerous and negligent! You didn't put that in your ridiculous response though! Aside from needing to be deleted due to lack of permissible purpose, you also don't say that you ACTUALLY ignored/dismissed my inquiry dispute, citing " factual record '', not even truly investigating whether or not these inquiries actually belong to me! Why allow consumers to rightfully dispute inquiries ( as we can do with ANY info reporting in our credit files, from addresses to incorrect, illegal info, and violations ) when, according to your deliberately misleading response, inquiries " must remain '' whether illegal, false or not!? LASTLY, I also know for a fact no real investigation was done because there's a 'XXXX  XXXX XXXX  ' inquiry done on XX/XX/XXXX, yet, here we are on XX/XX/XXXX AND IT STILL REMAINS days after it was supposed to come off simply TIME-wise on XX/XX/XXXX! IS THIS STILL " FACTUAL INFORMATION '' THAT " MUST '' REMAIN? Whether it's expiration or lack of permissible purpose, there are INDEED legal grounds for the removal of inquiries! What you all are doing is ILLEGAL. Experian, YOU are reporting this information ; this information is affecting my credit & financial status, and you have a responsibility to TRULY do right by consumer law and report info THAT ACTUALLY BELONGS! THESE MUST BE DELETED IMMEDIATELY.

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