Consumer complaint received 2024-07-15 00:00:00
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.
State: MA

Complaint narrative:
I received the following letters at my home address, related to applications for credit accounts that I never attempted to open. 

XX/XX/XXXX- XXXX XXXX XXXX XXXX " We regret that we are unable to establish an account for you at this time because we are unable to verify identification information on the application. '' The letter advised me to contact the Customer Authentication Department - XXXX. I did and they were unable to identify any information on who submitted the application. 

XX/XX/XXXX - XXXX XXXX XXXX XXXX " Thank you for your interest in our XXXX XXXX XXXX XXXX account. At this time, we're unable to complete the processing of your application because of the following : We received notification from the consumer reporting agency listed below that you've placed a security block on your credit file. '' I called at XXXX but was unable to retrieve any details about where the application came from. 

XX/XX/XXXX, and XXXX, XXXX ( 3 separate letters ) - XXXX XXXX XXXX XXXX XXXX " Thank you for applying for the XXXX XXXX  Everyday from XXXX XXXX. We're writing to let you know we are unable to approve your application at this time. We are required by federal regulations to evaluate your capacity to take on new debt. The amount of your annual income and/or financial assets known to us is insufficient in relation to the credit you've applied for and your overall debt obligations as reflected in our records and on your credit report. '' I called XXXX but was unable to retrieve any additional details about where or who the application was submitted by. 

XX/XX/XXXX - XXXX  XXXX XXXX " Thank you for your recent application for credit received through XXXX  XXXX XXXX XXXX. on XX/XX/XXXX. After careful consideration, we are unable to approve your request for the following reason ( s ) : Principal reasons that apply to [ NAME ] were : Excessive debt to income ratio. Requested amount too high or insufficient income. Unable to verify identity and/or documentation provided. '' I called XXXX, hoping they could provide me the documentation that was submitted with the application, but again, I was not able to retrieve specific information. 

I requested credit reports from Experian, XXXX, XXXX, and XXXX. The following inquiries I suspect to be fraudulent and not done by myself or anyone I know. You will notice they are all within the same date-range. 

Experian : Hard Inquiries : 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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