Consumer complaint received 2024-09-04 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: MI

Complaint narrative:
To Whom It May Concern, After pulling a copy of my consumer credit report, I have identified multiple violations committed by your agency. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s2 and 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ), I am entitled to monetary compensation for these violations. Your agency has furnished my credit report in connection with credit or insurance transactions that I did not initiate. The FCRA is clear : ( A ) A consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer.

( B ) ( i ) The transaction must consist of a firm offer of credit or insurance.

( 3 ) A consumer reporting agency is prohibited from furnishing a record of inquiries related to credit or insurance transactions not initiated by the consumer.

Under FCRA 15 U.S. Code 1681n ( b ), any person or entity obtaining a consumer report under pretenses or knowingly without a permissible purpose is liable for actual damages or {$1000.00}, whichever is greater, plus punitive damages as determined by the court. I did not authorize any of the following inquiries. If you believe otherwise, you are required to provide documented proof, including copies of my written consent. I demand the immediate removal of the following inquiries from my consumer report under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : XXXX XXXX XXXX XXXXXX/XX/year> I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove me from reporting on my credit report. 

XXXX XXXXXXXX XXXX XXXXXX/XX/year> I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove me from reporting on my credit report. 

XXXX XXXX XXXX XXXX  I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove me from reporting on my credit report. 

XXXX XXXX XXXX XXXXXX/XX/year> I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove me from reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove me from reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove me from reporting on my credit report. 

XXXX XXXX XXXXXX/XX/year> I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove me from reporting on my credit report. 

Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

XXXX XXXX XXXX - My data was affected by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC.

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