Consumer complaint received 2024-08-08 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: MN

Complaint narrative:
To Whom It May Concern, After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer under subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX  XXXX XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW!

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