Consumer complaint received 2017-11-03
Company: Experian Information Solutions Inc.
State: LA
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:
I have 9 inquiries reporting on my credit file that was unauthorized I had no knowledge of them some are from 2016 the unauthorized inquiries was removed in past all of a sudden after this XXXX breach the same inquiries reappeared.I sent letters to all 3 credit bureaus asking these inquiries be removed because I have n't applied for anything.I also had a fraud alert added to my accounts with the bureaus.I sent out letters to each company directly it 's been over 60days I received no response.To my knowledge all consumer reports should be true of what 's it is being reported.These bureaus have allowed many fraud accounts to report in my report for years that have already effected me negatively. For instance I 've attached a letter from chase which was a account that was opened when I was XXXX years old.I sent letters for years asking them to investigate and remove account explaining to them I was only XXXX years old when accounts was openeded which made it impossible for me to have .They sent back letters saying verified for years and did n't remove it until I contacted you last month now the accounts are gone .Under the fair credit act these bureaus must provide Validation if asked I 've told them these inquiries was fraudulent and I 've asked them to send me a copy of what information they used to verify these inquiries was accurate and if they could n't verify and validate the inquiries listed with company they must be removed within 30.I sent two more certified letters and received no response. .All 3 bureaus refused to send me anything in return other than verified on credit report.This is a Violation .unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your the bureaus investigation, they stated in writing that they verified that these items are beingreported correctly. Where are the documents that they used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Im still asking the 3 bureaus please provide me with the name of that individual, their business address, and telephone number. 

XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.

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