Consumer complaint received 2022-06-11
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:
ANY INFORMATION you retain or report MUST be mandated, accurate, correct, complete, timely, proven mine, of my responsibility, and otherwise compliant to any reporting regulation in my state or federal laws. Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my consumer credit report, I observed what appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX on XX/XX/XXXX Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX on XX/XX/XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXXXXXX XX/XX/XXXX Alleged Creditor # 4 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX Card on XX/XX/XXXX. I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof. To date, no testimonial certificate of facts irrefutably displays that I knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my con-sumer credit report on these specific dates alleged, if any dates ever at all. I contend that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c ). or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that, in reality, that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, as I do and as would any deciding court should I seek suit versus you, you can see that this is a serious breach of my privacy, much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of the foul position of noncompliance to reporting obligations to retain or return to the appropriate status of certified metro two compliant reporting over 100 % provable true, correct, complete, and timely reporting. Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be, I will require that you advise them that if they can not provide me with proof that I authorized them to view my credit report, then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you consumer, immediately so to adequately make rectifiable removal of everyone even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required. In the event, it is needed to locate the potentially injurious and fraudulent inquiry in their system. I am asking that you require them to please send me written confirmation that they have complied with my requests and further for you to advise them that their failure to comply with my requests within five ( 5 ) business days will be my undoubted evidence used in Federal Court of their willful noncompliance [ 15 U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees for every fraudulent inquiry. I insist that you do whatever is in your power to ensure that The ( these ) alleged Original Creditor ( s ) complies with my requests and prevent other Consumers from experiencing the same kind of abuse of their privacy rights. With this declaration of complaint, I request that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said un-proven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to metro 2 data field formatted report-ing standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA.

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