Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

You, XXXX XXXX XXXX XXXX XXXX XXXX are in violation of the Federal Credit Reporting Act 15 USC 1681 for unlawfully obtaining my Experian, XXXX, XXXX consumer report without my authorization and permissible purpose under the FCRA. As a result of you unlawfully obtaining my consumer report without my permission or my consent, you are liable to me in actual damage/statutory damage of {$1000.00} per inquiry/enquiry in punitive damages. 

See document attached ; a recent Experian consumer report, dated XX/XX/XXXX, XXXX XXXX XXXX XXXX, listed as XXXX XXXX XXXX and XXXX XXXX proves XXXX ( XXXX ) records of request for my credit history/inquiries, without my consent/permission, listed as deleted as an outcome of a dispute result on my Experian Information Solutions, LLC consumer report . 

Im willing to settle this matter with admitted liability, cease and desist from obtaining copies of my consumer report from Experian, XXXX, and XXXX without authorized consent. 

Please be advised, I am prepared to place a commercial lien on your company if you do not comply with this demand. Upon receipt of payment of {$1000.00} per inquiry/enquiry, there are a total of XXXX ( XXXX ) records of request for my credit history/inquiries, without my consent/permission, totaling a sum of {$82000.00} ( XXXX XXXX dollars ), this letter shall be general release of all claims herein. 


In a scenario where XXXX XXXX XXXX XXXX  has requested a consumer 's credit history XXXX times without the consumer 's consent, there are several potential violations of the Fair Credit Reporting Act ( FCRA ) : * Unauthorized Inquiries ( FCRA 604 ) : XXXX XXXX XXXX XXXX may be in violation of FCRA if they accessed the consumer 's credit report without a permissible purpose or without the consumer 's consent.

* Accuracy of Information ( FCRA 607 ) : If the credit inquiries were not legitimate or if inaccurate information was reported, this could be a violation of the FCRA 's accuracy provisions.

* Duty to Correct and Update Information ( FCRA 611 ) : ** If the bank was aware that the information they reported was inaccurate or incomplete and failed to correct or update it, this could be a violation.

* Record of Credit History ( FCRA 606 ) : Excessive and unauthorized credit inquiries may violate the provision that limits who can access a consumer 's credit report and under what circumstances.

* Permissible Purpose ( FCRA 604 ) : The FCRA requires that there must be a legitimate reason ( permissible purpose ) for accessing a consumer 's credit report. If XXXX XXXX XXXX XXXX  did not have a valid reason for each inquiry, it could be a violation. 

* Failure to Furnish Information ( FCRA 623 ) : If the repeated inquiries were part of a failure to provide accurate and complete information, XXXX XXXX XXXX XXXX  might be in violation of their duty to furnish accurate information to credit reporting agencies. 

* Privacy of Consumer Reports ( FCRA 604 ) : ** Excessive inquiries may implicate the privacy provisions of the FCRA that restrict access to a consumer 's credit report without proper authorization.

* Civil Liability ( FCRA 616 ) : Consumers have the right to pursue civil liability against entities that willfully fail to comply with the FCRA, potentially seeking damages.

* Excessive Inquiries ( FCRA 604 ) : If XXXX XXXX XXXX XXXX  made an unusually high number of inquiries without a valid reason, it might be considered excessive. Excessive inquiries can negatively impact a consumer 's credit score and may violate FCRA regulations.

* Failure to Obtain Permissible Purpose ( FCRA 604 ) : The FCRA requires that entities accessing credit reports have a permissible purpose. If XXXX XXXX XXXX XXXX  did not have a valid reason for each of the XXXX inquiries, it could be a violation. 

* Lack of Consent ( FCRA 604 ) : If the consumer did not provide consent for these inquiries, it raises questions about compliance with FCRA requirements. Consent is generally necessary for permissible pulls of a consumer 's credit report.

* Continuous Monitoring Issues ( FCRA 604 ) : If these inquiries were part of continuous monitoring without a legitimate need, it might be a violation. Continuous monitoring should be conducted with a valid reason, not as a routine practice.

* Repetitive Requests without a Change in Circumstances ( FCRA 604 ) : If XXXX XXXX XXXX XXXX  made repetitive inquiries without a significant change in circumstances, it might be viewed as unnecessary and could raise compliance concerns under FCRA. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sponsor, Originator, Administrator and Servicer XXXX Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  New York XXXX Indenture Trustee and Collateral Agent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX I will file a Form 211 treasury omb forms to audit consumers account. XXXX XXXX XXXX XXXX  is the sole member of ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and ; XXXX XXXX XXXX XXXX  Depositor and Transferor XXXX  Number : XXXX Securitizing consumers data and no permissible purpose under the FCRA for obtaining consumer report without consent of consumer a total of XXXX separate times/inquiries. Violation of Privacy Act of 1974. 

FEDERAL TRADE COMMISSION REPORT FOR IDENTITY THEFT SEE RECENT U.S. SECURITIES AND EXCHANGE COMMISSION PRESS RELEASE : XXXX XXXX TO PAY {$18.00} XXXX FOR VIOLATING WHISTLEBLOWER PROTECTION RULE