Consumer complaint received 2024-08-21 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: IL

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 a consumer does not initiate. 
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 please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! 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? ). Delete this from my report! 

XXXX - XXXX - My Identity was stolen, and a data breach has impacted my personal information! 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? ). Delete this from my report! 

XXXX XXXX XXXX  - XXXX - My Identity was stolen, and a data breach has impacted my personal information! 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? ). Delete this from my report! 

XXXX XXXX - XXXX - My Identity was stolen, and a data breach has impacted my personal information! 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? ). Delete this from my report! 

XXXX XXXX - XXXX - My Identity was stolen, and a data breach has impacted my personal information! 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? ). Delete this from my report! 

XXXX - XXXX - XXXX Identity was stolen, and a data breach has impacted my personal information! 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? ). Delete this from my report! 

XXXX - XXXX - My Identity was stolen, and a data breach has impacted my personal information! 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? ). Delete this from my report! 

XXXX XXXX - XXXX - My Identity was stolen, and a data breach has impacted my personal information! 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? ). Delete this from my report! 

XXXXXXXX XXXX XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! 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? ). Delete this from my report! 

XXXX XXXXXXXX XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! 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? ). Delete this from my report! 

Once again, 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. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately!

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