Consumer complaint received 2018-05-15
Company: Experian Information Solutions Inc.
State: TX
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 submitted many disputes both online and over the phone in writing letters which are included herein to Experian regarding fraudulent inquiries that are reporting on my credit report. 

They didn't appear to do as I stated the law requires them to and came back with responses that I needed to contact the creditors which I did only to be told by the creditors that I needed to dispute the inquiries with the credit reporting agency Experian. 

The following inquiries were disputed and letters were mailed which stated the following Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry investigated via FCRA section 623. If you have no proof of any or one of the things I've requested an investigation on, I would like it removed immediately.

Further, the credit reporting agency 's fraud department stated they never received any letters which I mailed US mail and am attaching them herein so they do get them from you. 

They also said that they don't investigate inquiries as they are just a record of fact and they are not required to do anything with these requests per their company policy. 

Letters were also mailed to the creditors themselves who hold the position it's not their responsibility to investigate these complaints and that again it's the job of the credit bureaus. 

Case law is clear that any organization regulated by the government acts passed as a law can not engage in the doctrine of ultra vires whereby the companies attempt to hold their company policy as having more weight and effect than the written laws of Congress.

It appears that the credit reporting agencies and the banks behind these transactions are doing just that when speaking to the fraud department. They claim it's not their responsibility and also hold the same position of their policy not to investigate inquiries that held no consent or permissible purpose.

If these companies and banks can get away with not following the laws then what are consumers who are being defamed and kept from credit supposed to do in a commercial system that requires it to a degree a high earning individual can't access the necessity of it for things like obtaining a mortgage to buy a house.

The position held by both the creditors and the reporting agency Experian is that inquiry is what it is a record of fact that someone pulled my credit and that it's not important that these inquiries are hurting me financially and impacting my life because the credit score and the appearance of these unauthorized inquiries are preventing me to using credit that would otherwise be available to me.

There is nothing negative on any of my credit reports and the agents of the reporting agency Experian holds the opinion that inquiries do not harm a consumers ability to obtain credit from lenders. I know from 30 years experience that the reality is this is not true.

I've included attachments of the electronic versions of the letters I sent to Experian in attempt to get them to show me the proof I authorized the inquiries which exist on my report to this day. I have placed a fraud alert on my credit file to force creditors to contact me but this creates problems for me to monitor my credit.

The agents of Experian are not cooperative towards the requests and consistently ignore them as if they don't have to do anything once they have done it once which is wrong because the efforts they take on any first hand disputes operate under a self evident strategy of deny, delay and defend verses just not playing games and actually doing their XXXX job for once. 

But in efforts to save costs they do these stupid things which ends up costing me hundreds of dollars in postage and thousands of dollars in lost time keeping me for doing the things I make a living doing. They act as if they answer to know one and are the law itself free from any legal harm or repercussions.

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