Consumer complaint received 2017-06-15
Company: Experian Information Solutions Inc.
State: TX
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:
I have recently pulled copies of my credit reports and have incorrect information on them and multiple inquiries on tehse reports that I did not authorize. i cant seem to get any help at all fromt eh credit bureais that are giving out this information. I asked   XXXX   to look into them and all they told me was they were legit, call the companies. Experian will not let you dipute anything online or by phone, they refer me to call the companies directly. Yesterday got a different copy of my report from   XXXX   other than  the one they provide monthly with my subscription. I noticed several hard inquiries on my report that are not mine and that I have not au thorized. Some recent and some from early to mi d XX/XX/XXXX , some in  XX/XX/XXXX . Fo r example car loan applications recently. I have NOt applied for any car loans as i have a brand new vehichle barely 6 months old. And others that i have no idea who they are.   I tried to dispute these online, but there is not way to do it.   I called  XXXX  today, T hursday  XX/XX/XXXX  at   XXXX   XXXX   CT, cal led Experian yesterday, and recently did noline with  XXXX  and get nowhere. and spoke to a representative who would not help me at all! She told me that I had to contact these people directly and get a removal letter from then. Then these companies would send me a removal letter. From there I had to also write an authroization letter and send it to transunion along with this Removal letter, and then and only then would they look into it as far as removing it!?   I did not authroize these people to pull my credit report or to have this personal information of mine! How can   XXXX   or   XXXX   or Experian just give out all of my personal info without me authorizing it? Or if I call them and tell them I did not authorize this, shouldnt THEY look into it and see if it was authorized? Or require that the company that pulled my report show proof that i authorized it?   What if these companies do not respond to me and do not give me this supposed removal letter? Im just stuck with it showing these people pulled my info and Transunion can just give out my information blindly and not be held accountable? Or not research it from their end as to WHY they gave out my report to these companies?   I dont think it is right that the burden be placed on me to contact these companies and be at their mercy, when They are the ones accessing my info fraudulently, or when  XXXX  and the others are blindly giving out my personal information and there is nothing they will do about it! That does not seem right, nor seem legal.    XXXX  should be required to investigate these inquiries just like they would investigate any other accounts showing incorrectly on my report. Please help me with this!   The lady on the phone said these are my past or present creditors and they can access the file! That is not right! They are not my creditors!   I should not have to go through all the work to prove something should NOT have happened with my personal info. They should be required to show authorizaton that is SHOULD happen.   These following companies were NOT authorized by me to have my personal information, and I NEVER authorized  XXXX  or   XXXX   or Experian to give out this information to the m :      XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX  , TX   XXXX   (  XXXX  )  XXXX - XXXX  Inquiry Type : Individual Requested On : XX/XX/XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , FL  XXXX  (  XXXX  )  XXXX -  XXXX   Inquiry Type : Individual Requested On : XX/XX/XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , FL  XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XX/XX/XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , TX   XXXX   (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX  , TX   XXXX   (  XXXX  )   XXXX    Inquiry Type : Individual Requested On :  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  UT  XXXX  (  XXXX  )   XXXX   Inquiry Type : Individual Requested On :  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  , NC  XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On : XX/XX/XXXX   XXXX    XXXX   XXXX   XXXX    XXXX , FL  XXXX  (   XXXX   )   XXXX   Inquiry Type : Individual Requested On :  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , FL   XXXX   (  XXXX  )   XXXX   Inquiry Type : Individual Requested On :  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , DE  XXXX  (  XXXX  )   XXXX   Inquiry Type : Individual Requested On :  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX  (  XXXX  )   XXXX    Inquiry Type : Individual Requested On : XX/XX/XXXX  These inquiries show on my multiple reports. In addition to that   XXXX   also shows these that were not authorized :   XXXX    XX/XX/XXXX    XXXX    XX/XX/XXXX    XXXX     XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX    XXXX   XX/XX/XXXX   XXXX   XXXX    XX/XX/XXXX  ( Ive had   XXXX   XXXX   for almost 5 years and have NEVER tried to change? ) And in addition Experian shows these in addition to the ones listed above :   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX    XXXX     XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  Why are these inquiries on my report? And why can I not get any help with them?
This is hurting my credit and also im not comfortable with my information being given out like this without permission! But this is unbeleiveable, this is a lot!
Now granted, Im a "  XXXX  '' and have the same name as my father and we shared addresses in the past, so maybe they are mixing up some of his information.
i also have a family memebr with the same first and last name as me, but a different middle name. So I understand if something got mixed up, we have had this happen in the past with mail and paperwork etc. But this needs to be fixed and corrected and assured to not happen again moving forward. I just can not get any help on their end. Please help!     I just dont feel it is right or legal to give out my information to anyone and everyone that asks for it with no accountability and the burden to be put on me to correct it or suffer for it.

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