Consumer complaint received 2024-06-13 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: NC

Complaint narrative:
EXPERIAN is obligated by the FCRA to report accurate accounting, consumer has advised ALL the inquires reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EXPERIAN to provide the documentation used to determine inquiry was indeed authorized by the consumer, EXPERIAN has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-oscar report. if EXPERIAN does not have documentation to show these were in fact authorized it must be removed ASAP. SAID company is liable under the SEC to follow certain rules. I will be filing form 211 Treasury OMB forms to audit consumers account. EXPERIAN is securitizing consumers data yet refuses to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. XXXX have added inquiries to my consumer report I did not give them consent or written permission to report. These inquiries are unauthorized. Per 15 U.S. Code 1681b - Permissible purposes of consumer reports. These inquiries need to be removed immediately. 
EXPERIAN is fraudulently reporting my finical institution credit card utilization information for XXXX XXXX XXXXXXXX ( XXXXXXXX XXXX  XXXX ), XXXX XXXX XXXX. I need the utilization to report as XXXX percent ( 0 % ). A financial institution may not disclose personal financial information to a third party. EXPERIAN is a third party to these finical institutions. Per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless. ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. It is not legal to report transaction history. I need the utilization for all my credit cards put to zero percent ( 0 % ). 15 U.S. Code 1681b - Permissible purposes of consumer reports. ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information. ( i ) in connection with a business transaction that is initiated by the consumer; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards. 

XXXX OF XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian

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