Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NE)

Note to Experian : You have my authorization to conduct an investigation into my complaint. 

My name is XXXX XXXX XXXX XXXX. I am submitting this complaint in good faith on behalf of myself and no other individual. 

Reason for complaint : Inability of data furnisher, Experian Information Solutions, to follow FCRA statute in regards to permissible purposes of credit inquiries. 

Be Advised : The following statement has existed on my Experian credit profile since XX/XX/XXXX as a result of multiple fraudulent accounts being opened in my name. Experian has blatantly disregarded the law by not adhering to FCRA statutes by failing to notify me when such attempts to attain credit were made in my name. 

Personal Statements ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. FILE FROZEN DUE TO FEDERAL LEGISLATION. 

The following inquiries were placed on my credit file on the corresponding dates. I did not authorize any of these inquiries nor has Experian ever provided me proof that they have conducted a real investigation into the existence of their own identity theft protection. BY not adhering to FCRA statutes, they have allowed my credit score to drop significantly while allowing me to be continually exposed to identity theft. I was never made aware of these attempts to assess credit on my credit file. I have sent Experian multiple letters urging them to delete these inquiries from my credit profile and I have attached them to this CFPB complaint. Experian has responded, not in writing but online, which is a violation of their own Arbitration clause, with an erroneous and illogical FCRA non-compliant justification. I have included a copy of their response as well. 

A remedy for this damaging behavior would be to simply have these six inquiries removed from my Experian credit file. 

XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XX/XX/XXXX, DE XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XX/XX/XXXX, DE XXXX ( XXXX ) XXXX Unspecied. This inquiry is scheduled to continue on record until XX/XX/XXXX.