Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have requested these hard inquiries to be investigated for almost 3 months now. The credit reporting agency has yet to conduct a proper investigation and these hard inquires remain on my consumer report.

TO WHOM IS MY CONCERN I recently obtained a copy of my most recent credit report, as I was reviewing the content of my report I notice some very inaccurate and amiss information. It seems that my credit profile has been compromised by someone knowingly or unknowingly using my personal information. A Federal Trade Commission report has been generated, submitted, and a copy of my report is enclosed. I, being a natural person and very aware that consumer reporting agencies need written instructions by I, THE CONSUMER to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without lawful authority to furnish this information on my consumer report. By definition Experian has committed identity theft. This is a violation of 15 USC 1681b ( a ) ( 2 ). 
Inquiries that are in fact unknown/unauthorized and shall be DELETED IMMEDIATELY ARE LISTED BELOW : XXXX XXXX XXXX XXXX  - XX/XX/XXXX - FCRA Section 605B ( 15 U.S.C. 1681c-2 - Right to Block Information Resulting from Identity Theft : Under Section 605B, I am requesting the removal of the unauthorized hard inquiries from my credit report. 
XXXX XXXX  - XX/XX/XXXX - FCRA Section 605B ( 15 U.S.C. 1681c-2 ) - Right to Block Information Resulting from Identity Theft : Under Section 605B, I am requesting the removal of the unauthorized hard inquiries from my credit report.

XXXX XXXX XXXX  - XX/XX/XXXX - FCRA Section 605B ( 15 U.S.C. 1681c-2 ) - Right to Block Information Resulting from Identity Theft : Under Section 605B, I am requesting the removal of the unauthorized hard inquiries from my credit report.

UNAUTHORIZED INQUIRY DISPUTE REASON : THIS IS A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I, the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that CONSTITUES AGGRAVATED IDENITY THEFT IN ACCORDIANCE WITH 18 USC 1028A. REMOVE THIS INQUIRY IMMEDIATELY! FURTHER MORE ANY INQUIRY TWO YEARS OR OLDER NEEDS TO BE DELETED IMMEDIATELY!

UNAUTHORIZED INQUIRES Given the amount of identity theft, I\ 'm sure you\ 'll agree that verifying the information is in your best interest. 
Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. 
I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. A Federal Trade Commission report has been filed and enclosed is the report for your reference. My contact information is provided below and I have included proof such as my I.D/ Drivers License and current address to avoid any delays in your response time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX

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