Consumer complaint received 2020-02-16
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:
Please be advised this is my SECOND WRITTEN REQUEST. 

Notice that I have attached a copy of my previous CFPB complaint to this complaint as well as additional supporting documentation. 

XXXX , XXXX placed THREE ( 3 ) invalid, unverified, fraudulent and illegal inquiries into my Experian credit report without me authorizing their organization to view my credit history. Again, this is a violation of Federal Law. XXXX , XXXX is knowingly reporting false information to Experian. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and that it is correct. 

These inquiries are NOT MINE, nor were they authorized by me, and XXXX , XXXX has failed to verify them. 

Their actions constitute fraud under both Federal and State Laws : -Violation of the Fair Credit Reporting Act -Defamation of Character I have disputed these inquiries, through both the CFPB and the XXXX. 

I've asked for verification. They failed to supply verification. 

These accounts are negatively affecting my credit report and score due to this company 's false reporting. 

Additionally, and in fact, you can see in the document and image that I have attached to this complaint that XXXX , XXXX made this same type of illegal inquiry back in XX/XX/XXXX. I disputed the inquiry in XX/XX/XXXX and they were forced, by federal law, to remove it as evidenced by the image attachment I have provided in this complaint. 

In the results of your first investigation, you stated in writing that according to the Fair Credit Reporting Act, credit grantors with a permissible purpose may inquire about credit information and that " the inquiries shown on a credit report are a factual record of the companies who have accessed and reviewed a consumers profile? 

Who verified these inquiries? Firstly, XXXX , XXXX is NOT a " credit grantor ''. Secondly, I NEVER REQUESTED A CREDIT LINE FROM THEM. Thirdly, it's impossible for me to request credit from an organization that is NOT a credit grantor and is not in the business of extending credit. 

I contacted XXXX , XXXX and they have NO proof I initiated such inquiries, nor written authorization. They have FAILED TO PROVIDE ANY PERMISSIBLE PURPOSE. Since, they do not have my authorization, written nor verbal, I demand that you DELETE these unauthorized and illegal inquiries from my credit report immediately as there is NO EVIDENCE OF ANY AUTHORIZATION, NOR ANY PERMISSIBLE PURPOSE. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction THAT IS INITIATED BY THE CONSUMER.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) PROMPTLY DELETE The following inquiries are unauthorized : Made by : XXXX , XXXX Made on : XX/XX/XXXX Made with : Experian Made by : XXXX , XXXX Made on : XX/XX/XXXX Made with : Experian Made by : XXXX , XXXX Made on : XX/XX/XXXX Made with : Experian The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand that these unauthorized inquiries be removed 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