Consumer complaint received 2025-04-30 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: NJ

Complaint narrative:
1. Statutory background FCRA 604 ( a ) ( 15 U.S.C. 1681b ) A consumer report may be furnished only for a permissible purpose. 
FCRA 605A ( b ) & ( g ) ( 15 U.S.C. 1681c-1 ) When an extended fraud alert is in place, any prospective user of a consumer report must : ( i ) Verify the consumers identity with reasonable policies and procedures, and ( ii ) Contact the consumer at the telephone number provided in the alert before obtaining, or causing to be obtained, the report for any newcredit purpose. 
FCRA 605B ( 15 U.S.C. 1681c-2 ) Upon receiving appropriate proof of identity-theft information, a consumer reporting agency must block any item that resulted from the identity theft within 4 business days. 
FCRA 609 ( a ) ( 3 ) & ( e ) Entitles the consumer to the complete identity of any party that obtained the report and, upon written request, to all records of any fraudulent transaction. 
FCRA 611 ( a ) ( 15 U.S.C. 1681i ) Requires the CRA to reinvestigate any disputed item and delete or correct it within 30 days. 
Civil liability FCRA 616-617 ( 15 U.S.C. 1681n-o ) Provides for statutory, actual, and punitive damages plus attorneys fees for willful or negligent non-compliance. 
Regulation V, 12 C.F.R. Part 1022 ( CFPB ) Implements the above duties and is enforced by the Consumer Financial Protection Bureau. 
2. Facts An extended fraud-victim alert has been in place on my Experian file since XXXX ( see Personal Statement attached ). 
The alert instructs potential creditors not to extend credit or obtain my report without first calling me at XXXX and verifying my identity. 
XXXX XXXX XXXX XXXX accessed my Experian file on XXXX without my knowledge or authorization and without contacting me, in direct violation of FCRA 605A. 
Because XXXX XXXX lacked a permissible purpose, the inquiry is inherently unauthorized and constitutes information resulting from identity theft. 
3. Demands to Experian Pursuant to FCRA 605A, 605B, 609, and 611 you are hereby formally notified and required to : Block and permanently delete the hard inquiry made by XXXX XXXX XXXX XXXX dated XXXX from all versions of my consumer file within 4 business days of receipt of this letter. 
Cease any future dissemination of that inquiry. 
Send me written confirmation of the deletion, along with an updated consumer disclosure, within 30 days as required by 611 ( a ) ( 6 ). 
Provide the complete name, address, and telephone number of XXXX XXXX XXXX XXXX that you have on record ( 609 ( a ) ( 3 ) ). 
4. Notice of further action Failure to fully comply will constitute willful non-compliance under 616, subjecting Experian to statutory damages of at least {$1000.00} per violation, actual damages, punitive damages, and attorneys fees. I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General without further notice.

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