Consumer complaint received 2018-09-29
Company: Experian Information Solutions Inc.
State: CA
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:
( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 504, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Do you have a copy of the disclosure notification from the furnisher? Do you have a copy of the credit application? A disclosure notice and agreement between you and the furnisher as to what the permissible use of information is or was? Do you have my permission or my consent for this information being shared or collected? If not then you and the furnisher are liable. 

The law in your credit reporting does not exist as you are a private corporation you are not legally or morally obliged to report anything on anybody, but you choose to do so. The only law that you are required to uphold is the 7 year rule, and you must maintain the privacy rights of individuals by having specific use documented and release of information disclosures from the furnisher who you have a business relationship. You are a private company and as such the information you receive and store is provided by the furnisher and as such you must verify the accuracy of what you receive and report or be held liable for reporting unverified information. If you don't have the information that i requested then remove it, or be sued. I look forward to your response PLEASE PROVIDE THE DISCLOSURES OF USAGE OF INFORMATION PROVIDED TO EXPERIAN FROM THE FURNISHER. PLEASE PROVIDE THE APPLICATION FOR EACH OF THESE INQUIRIES. THIS IS THE SECOND AND FINAL ATTEMPT FOR EXPERIAN TO PROVIDE THE REQUESTED INFORMATION BEFORE A SUIT WILL BE FILED. AS YOU CAN SEE THE FUNCTION TO DISPUTE ONLINE WAS REMOVED. Inquiries are not currently disputable online through the Dispute Center. 
To dispute an inquiry please contact us by phone at XXXX ( tel:XXXX ). 
Report Number : XXXX Date Generated : XX/XX/XXXX Recent Hard Inquiries XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX https : //usa.experian.com/ # /disputeCenter/reportSummary/disputeInquiry XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
Not disputable online XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 
Not disputable online XXXX XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX https : //usa.experian.com/ # /disputeCenter/reportSummary/disputeInquiry XXXX XX/XX/XXXX Experian Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 
Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
Not disputable online

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