Consumer complaint received 2024-11-02 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: TX

Complaint narrative:
The consumer reporting agency EXPERIAN is in clear violation of 15USC1681b ( a ) 3 ( f ) ( i ) and not in Metro 2 compliance. I noticed the following person ( s ) obtained my " Experian '' Report unauthorized without my written authorization and permissible purpose under the FCRA which is a direct result of IDENTITY THEFT. The following unauthorized inquires on my consumer report has harmed my ability to obtain credit and has damaged my families financial livelihood : PLEASE REMOVE THE FOLLOWING UNAUTHORIZED INQUIRIES EXPERIAN REPORT : I dispute the following unauthorized inquiry that was furnished without permissible purpose. 
There is no account furnished in connection to this inquiry. Please remove this from my credit report. 
Person : XXXX XXXX XXXX XXXX  Date Of Inquiry : XX/XX/year> I dispute the following unauthorized inquiry that was furnished without permissible purpose. 
There is no account furnished in connection to this inquiry. Please remove this from my credit report. 
Person : XXXX XXXX XXXX Date Of Inquiry : XX/XX/year> I dispute the following unauthorized inquiry that was furnished without permissible purpose. 
There is no account furnished in connection to this inquiry. Please remove this from my credit report. 
Person : XXXX XXXX XXXX Date Of Inquiry : XX/XX/year> Your agency shall notify me with the description of your investigation results no later than ( XX/XX/year> ) pursuant to 15USC 1681i ( 7 ) WHICH CLEARLY STATES IN THIS SECTION ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

According to 15USC 1681 ( b ) c ) furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer must be removed from my credit profile immediately- Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish any record of inquires in connection with a credit or insurance transaction that is not initiated by a Consumer.

According to 15 USC 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency MAY furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Provide the original consumer agreement with my signature where I gave written authorization.

Your agency must remove all inaccurate information from my report according to 15USC 1681i ( 5 ) - ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the fileof the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the fileof the consumer.

According to 15USC1681 ( e ) it is your obligation as a consumer reporting agency to ensure MAXIMUM ACCURACY of my report by making each person or furnisher of data provide an original signed contract with written authorization I gave them to obtain a copy of my report.

THIS UNAUTHORIZED DATA IS A DIRECT RESULT OF IDENTITY THEFT PURSUANT TO 18USC1028 ( A ).

Failure to respond satisfactorily with deletion of the data referenced above will result pursuit of litigation on behalf of these inaccuracies and legal action for the following : 1 ) DEFAMATION OF CHARACTER 2 ) NEGLIGENT ENABLEMENT OF IDENTITY THEFT FRAUD

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