Consumer complaint received 2024-09-25 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: TX

Complaint narrative:
RE : NOTICE OF VIOLATION UNDER 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FOR UNAUTHORIZED REPORTING To Whom It May Concern, Upon reviewing my recent credit report, I have discovered multiple violations of the Fair Credit Reporting Act ( FCRA ) by your agency. Specifically, these violations pertain to the unauthorized furnishing of reports in connection with credit or insurance transactions that were not initiated by me, as outlined under 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). This section of the FCRA mandates that a consumer reporting agency may only furnish a report in connection with credit or insurance transactions that were not initiated by the consumer if the consumer has authorized the agency to do so or if the transaction involves a firm offer of credit or insurance. Moreover, the FCRA stipulates that inquiries regarding credit or insurance transactions that are not initiated by the consumer must not be disclosed to any party, except under specific conditions outlined in Section 1681g ( a ) ( 5 ). According to 15 U.S.C. 1681n ( b ), if a consumer report is obtained under pretenses or without a permissible purpose, the consumer is entitled to actual damages or a minimum of {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded at the court 's discretion. Since I did not authorize or initiate any of these inquiries, I request that you provide me with copies of any written authorization or consent forms that you may have on file. I am demanding the immediate removal of the disputed items from my credit report as required under 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). The items in question are listed below : XXXX - XX/XX/year> This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. Under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! 

XXXX - XX/XX/year> This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. Under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! 

XXXX - XX/XX/year> This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. Under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! 

XXXX - XX/XX/year> This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. Under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! 

XXXX XXXX  - XXXX This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. Under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! 

XXXXXXXX XXXX XXXX - XXXX This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. Under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! 

XXXX - XXXX This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. Under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! 

XXXX XXXX XXXX - XXXX This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. Under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! 

XXXX XXXX - XXXX This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. Under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! 

XXXX - XXXX This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. Under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap!

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