Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: SC
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:
C.F.P.B please check compliant XXXX. I file a compliant about a inquiry from a company that is on my Experian credit report. The companies name is listed as XXXX XXXX XXXX XXXX. I have not requested credit from this company. I AM REQUESTING EXPERIAN TO PROVIDE DOCUMENTATION OF A REQUEST FOR CREDIT WITH THE COMPANY XXXX XXXX XXXX XXXX XXXX 

I contacted this company by the number listed on my credit report. The company said they do not have any information about me requesting credit from them. SCREENSHOOTS ATTACHED. 

In accordance with Federal Law of the Fair Credit Reporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about credit information. I would like a copy of the document with my signature which give my PERMISSION for XXXX XXXX XXXX XXXX XXXX to pull my credit. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. 
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.

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