Consumer complaint received 2021-01-21
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX : Lists FIFTY-FOUR INQUIRIES on my credit report!!! 
They should ONLY have Twelve!!! 
On XX/XX/XXXX XXXX  RECEIVED a CERTIFIED letter from me, stating that I DID NOT KNOW of these other credit inquiries, they did NOT have my PERMISSION nor any CONTRACTIONAL AGRREMENT with ME : authorizing these inquiries and that they should be REMOVED immediately. 

EXPERIAN was much more dismissive in their reply. They have TWENTY-NINE inquiries ; they SHOULD only have about nine!!! 

On XX/XX/XXXX Received a CERTIFIED letter from me also, stating that I did NOT know about all these other inquiries and that they did NOT have permission from me, nor a CONTRACTIONAL AGREEMENT WITH 'ME ' ( Yes, that's WITH ME ... In the flesh ; NOT in the SPIRIT!!! ) AND that these twenty-nine inquiries should be removed also. 

Here 's the general synopsis of what had happened : They've ( BOTH ) had only acknowledged receiving the certified letter ( s ) requesting the removal, but that I should " ... take it up with the merchant ( s ) directly!!! ... '' I also don't appreciate the way that they'll serruptiously " use '' the govorment law as an excuse to NOT abide by it!!!??? ... 

Later : I was erroneously quoted a title reference from the FCRA stating " ... Permissible use ... '' ACTUALLY : according to that self-same FCRA ( Fair Credit Reporting Act ) the BURDEN of proof rests between the CREDIT BUREAU ( XXXX  XXXX Experian ) and the MERCHANT requesting the the credit. This has NOTHING to do with a MEDICAL FASCILITY or an EMPLOYMENT scenario. 

See : Wegner vs. Transunion Corp. No. 95-6445 ( C.D.Cal November 14th 1995, you MAY be liable for willful NON-COMPLIANCE. 

I want XXXX  & Experian to follow the list of that I've submitted to them an VERIFY that these items do not belong on my credit report. So of these items are listed three and four times on the same day!!! 

As far as their avoidance behavior goes ... Or as they loosely swim around the imaginary loophole of shirking responsibility ... I too have an example : If 'I ' asked XXXX and Experian to SPECIFICALLY get all the materials to gether make me a salami sandwich for this afternoon 's church picnic. I WOULDN'T EXPECT that the skid-row-bum in the proverbial alley who'd over-heard me talking to you, to grab HIS stuff together, in order to make me salami sandwich ALSO!!! ... You're PLAYING with this term gentlemen, in order to avoid due dillegence and I DON'T appreciate it. 

Here 's a list of what should be removed : XXXX, XXXX ( all variations of them ), XXXX  ( all variations of them ) XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX ( YOU'VE already gotten in trouble with the once ... Remember??? ) XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( all variations ) XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Again : WITH THE EXCEPTION of what is ALREADY POSTING ON MY CREDIT REPORTS from XXXX  : Washington State ; PLEASE remove all OTHER variations of the above listed " XXXX 's '' XXXX  XXXX XXXX XXXX XXXX must STAY on my reports, as an chive & current and viable trade line. 

Please don't obligate me to take this matter any further than it has to be ; let 's alleviate this matter here. 

A/K/A : The XXXX ( You already know who I am ).

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