Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/XXXX I called experian credit solutions for the 3rd time that day to ask them again to remove the 8 hard inquires from my credit report after already speaking with them earlier about the same subject of going in to apply for a new home loan and the loan officer informing me about the inquiries being over the top. As I explained to the loan officer like I did experian agent when I went into buy my car last year in XX/XX/XXXX I had already had a pre-approval letter for {$22000.00} and a co signer with me and I had no idea the used car dealer ran credit checks on my report like that otherwise I would have said no but I was nevet asked or nor did I give my consent to access my credit report because I already had my approval letter i had obtained on the XXXX of XX/XX/XXXX from XXXX XXXX  plus my mother as a cosigner. The loan officer said that is a violation and fraud to do that without your explicit consent and I needed to call experian and have them removed because its a violation of the fair credit reporting act to " shop out '' ( thier words ) your credit information like that especially numerous times impacting your credit score and overall ability to obtain proper financial backing to support your family. When i called experian they told me that I needed to obtain a letter of declaration from each place that violated my rights and send it to experian and then after review they would then take the proper actions. I called 3 of the 8 places that were reported to have made a hard inquiry on my credit report on XXXX XXXX. Every one of them first didnt know what a letter of declination was and secondly couldnt write or send me any kind of verification because I am not in any of thier records or have an account with them and have never been in thier syestems by checking with my full name and the last 4 of my social security number they could not find anything with my name or date of birth. So regrettably thier supervisor was informing them that they couldnt send me any letter because they had no records showing that I had ever been involved with thier company. At that point I called back to esperian and was given to the same man who had given me the information to get the letters in the first place and explained to him exactly what these companies had told me and I was sure the rest of them would say the same and was told they ( esperian ) couldnt remove the inquires because it was the credit company who were reporting to esperian to be placed on my file. When I told him they do not have any records of me or my social in thier files or databases to do that he again informed me that he could do nothing I had to speak with the company 's who were making the reports to esperian and there was nothing further he could do it was out of his hands.

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