Consumer complaint received 2024-07-16 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:
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 pursuant to 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. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities. 

XXXX XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX PR - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX FS - XX/XX/XXXX - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX XXXX - XX/XX/XXXX - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX XXXX XXXX XXXX  - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX XXXX - XX/XX/XXXX - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX XXXX XXXX XXXX  - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX XXXX - XX/XX/XXXX - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX XXXX - XX/XX/XXXX - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX MT XXXX - XX/XX/XXXX - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX AUTO FIN - XX/XX/XXXX - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX MT XXXX - XX/XX/XXXX - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

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 XXXXXXXX - 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 update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXXXXXX - 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 update as agreed this payment history. Else, DELETE this account immediately! 

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 update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXXXXXX -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 update as agreed this payment history. Else, DELETE this account immediately! 

XXXX - XXXX - XXXX XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX XXXX XXXX XXXX XXXXXXXX - The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXXXXXX XXXX XXXX XXXX XXXX  The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX - XXXX - XXXX XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX  The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX - XXXX - XXXX XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.

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 non-monetary relief