Consumer complaint received 2024-09-09 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: MN

Complaint narrative:
To Whom It May Concern, This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report. I lawfully obtained these reports through the declaration of the rights granted to consumers under the Fair Credit Reporting Act. The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the allowable reporting periods as detailed in the Act for the specific item as it appears. Please provide proof that the information as contained on the reported tradeline is 100 % Accurate, Complete, Verifiable, AND Timely. Please re-investigate the accusations that are detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any obligations of your reporting bar none. 

XXXX XXXX XXXX XXXX XXXX - XXXX You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, the XXXX XXXX XXXX  and the Federal Trade Commission. Your immediate attention to this matter is expected. 

XXXX - XXXX You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, the XXXX XXXX XXXX, and the Federal Trade Commission. Your immediate attention to this matter is expected.

Listed below are the Inquiries that are being challenged : ALXXXX XXXX XXXX  XXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. 

XXXX - XXXX XXXX to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. 

XXXX XXXX XXXX - XXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. 

XXXX XXXX XXXX - XXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. 

XXXX XXXX XXXX XXXX - XXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. 

XXXX XXXX XXXX - XXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. 

XXXX XXXX XXXX - XXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. 

XXXX XXXX XXXX XXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. 

XXXX XXXX XXXX - XXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. 

XXXX XXXX XXXX - XXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. 

XXXX XXXX - XXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. 

XXXX XXXX XXXX XXXXXXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. 

XXXX XXXX XXXX XXXXXXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. 

XXXX - XXXX XXXX to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. 

XXXX XXXX XXXX XXXXXXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. 

XXXX XXXX XXXX XXXXXXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. 

XXXX XXXX XXXX XXXXXXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. 

XXXX XXXX XXXX XXXXXXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately.

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