Consumer complaint received 2022-07-04
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In the beginning of XXXX I obtained a copy of my credit profile to make sure everything was up to date and reporting correctly because I am looking to get a purchase a home with a mortgage very soon. After going over my XXXX report I found some unauthorized inquires and found an account to be reporting inaccurately. 

I have already contacted and/or researched the creditors and they have no proof I approved such inquires, nor written authorization from me and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal I asked that they be investigated and deleted from my credit report immediately by letter sent via U.S. Certified Mail on XX/XX/2022 as there is no evidence of any authorization, nor permissible purpose. I asked XXXX to investigate the accounts and inquiries included in my letter. I also requested an updated report after investigation and who had access to my file, and for the investigation outcome to be sent to my address on file. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purpose 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 any reinvestigation under paragraph ( 10 of any information disputed by a consumer, an item of the information is found to be inaccurate or can not be verified, the consumer reporting agency shall - ( i ) promptly delete. 

In accordance with 15 U.S. Code 1681i ( a ) if proof can not be provided, these items must be deleted. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This is ground for removal, XXXX also violated my rights under 15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Also I waited 30 days to receive a response from XXXX and they have blatantly ignored my request from XX/XX/2022. Here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX My rights have been violated and as a consumer I feel discriminated against. Are they doing this because I am a minority or undereducated on the procedures? Why wasn't I responded to within 30 days? Why are they able to report without my written consent? Are they able to blatantly ignore the law or take advantage or consumers? 

My credit report being accurate is very important to ensure I can live in the best conditions of this material world. I have halted my search for housing until I get my report as accurate as possible. I am also having XXXX of where I may be able to live as well as scared to make any inquires or moves with my credit. I need to make sure they are not doing this any longer or able to take advantage of other consumers facing the same treatment.

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