Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: ND
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:
Dear Sir or Madam : I, XXXX XXXX XXXX ( the Complainant ) had knowingly, willfully, and lawfully accessed my online Experian Information Solutions , Inc ( Experian ) credit file account dated on XX/XX/XXXX, at approximately XXXX and XX/XX/XXXX at approximately XXXX because I had received an emailed alert message. In which, Experian had indicated into my Experian credit Fair Isaac Corporation ( FICO ) score XXXX had suddenly decreased from XXXX to XXXX points from using the FICO score XXXX calculated formula dated on or about XX/XX/XXXX. After, XXXX XXXX XXXX, who is my Banking institution had officially reported to Experian, my timely purchased and paid transactional activity stated into my XXXX XXXX XXXX XXXX XXXX XXXX  account number ending in XXXX on or about XX/XX/XXXX, as shown onto my XXXX XXXX XXXX XXXX XXXX XXXX statement dated from XX/XX/XXXX, to XX/XX/XXXX. See Exhibit A. So, my question to Experians team is how can this be conceivable or possible for my online FICO score XXXX to decrease from XXXX to XXXX points or drop XXXX points when I am exactly at the XXXX XXXX which should have been rounded to 10 % of the required threshold from my XXXX XXXX XXXX calculated and reported transactional purchase of {$31.00} divided by {$300.00} dated on XX/XX/XXXX? 

In addition, I had noticed into my online Experian credit file account an assailant/identity thieve who had subscribed by a fictitious name [ s ] had knowingly, willfully, deliberately, and unlawfully accessed my online Experian credit file account dated on XX/XX/XXXX, and XX/XX/XXXX, by means of running a soft inquires to which, I had not authorized any person nor was I in my online Experian credit file account on those days stated herein. Once I had accessed my online Experian credit file account than an online Experian soft report is automatically generated within my online Experian credit file account except when I am lock out of the automatically generated soft inquiries online Experian credit reports because of an assailant/identity thieve who had subscribed by a fictitious name [ s ] had intentionally blocked me from generating my own online Experian credit report in the month of XX/XX/XXXX. After, the assailant/identity thieve who had subscribed by a fictitious name [ s ] had somehow, and unlawfully accessed my online Experian credit file account dated on XX/XX/XXXX, and XX/XX/XXXX without my lawful authorities. And, almost immediately after, I had lawfully changed my username and password dated on XX/XX/XXXX, at approximately XXXX and XX/XX/XXXX, at approximately XXXX, and I am automatically locked out of generating my own online Experian soft inquiries credit file reports without my lawful authorities. See Exhibit B. And, I did not have any other online Experian credit file account activities except for my XXXX XXXX XXXX XXXX XXXX XXXX account number ending in XXXX for my online purchased and transactional activities since XX/XX/XXXX. 

As a result, I am experiencing identity thefts problems ; after, the assailant/identity thieve who had subscribed by a fictitious name [ s ] had knowingly, willfully, and unlawfully gained unauthorized accesses to my online Experian credit file account than the assailant/identity thieve had made copied and/or distributed my online Experian credit reports dated XX/XX/XXXX, and XX/XX/XXXX. In order to directly hand into any banking and/or educational institutions, vehicle dealerships, payday loans companies, employers, employment and/or rental agencies my unauthorized online Experian credit reports soft inquiries without those banking and educational institutions, vehicle dealerships, payday loans companies, employers, employment and/or rental agencies processing my legitimate authorized Experian online credit reports by ways of Experian online compliance procedures in accordance with the Fair Credit Reporting Act ( FCRA ). Nor have I notarized instruments by ways of those collections of a [ n ] Powers of Attorney, Affidavits or Waived Rights documents to those assailant/identity thieve who had subscribed by a fictitious name [ s ]. And, those assailant/identity thieve who had subscribed by a fictitious name [ s ] had executed those notarized instrument [ s ] or waived rights document [ s ] without my : authorizations, consents, acknowledgements, and knowingly and willfully participation into a said forged or fraudulent notarized instrument [ s ] or waived rights document [ s ] conspiracies pursuant to the Title 18 U.S.C. 1028. Nor have I been legally married to any person and my familial status is still a single person. Also, I had noticed, I could not retrieve my Experian online annual free credit report from the XXXX dated on XX/XX/XXXX, and I had received an error message is as follows : Were sorry, a condition exists that prevents Experian from being able to accept your request at this time. See Exhibit C. 

What exactly are those condition that exists for which prevent me from accessing my own free online Experian free credit report from XXXX web application account? I had already sent photographs of my identification documents by ways of Experian upload in order to access my free online Experian XXXX web application account dated on XX/XX/XXXX. 




Respectfully Submitted, XXXX XXXX XXXX

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