Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
To Whom It May Concern, This letter is an official and unequivocal notice addressing your blatant mishandling of my credit report. In reviewing the document, I have identified glaring errors that violate my consumer rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to ensure that all information reported is 100 % accurate, 100 % verifiable, 100 % complete, and within the proper reporting periodsno exceptions. You have failed in this duty, and I am demanding immediate action. I hereby require that you provide definitive, indisputable proof that the information in question is entirely accurate, verifiable, complete, and within the legally allowable timeframe. You are instructed to thoroughly re-investigate the details I have listed below and correct the erroneous information without delay. The facts must be 100 % precise, fully compliant, and in strict adherence to the law. Anything less is unacceptable and actionable. 

XXXX XXXX XXXX - XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

None - XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX  XXXX - XXXX I hereby wish to bring to your attention an issue I discovered upon reviewing my credit report. It has come to my notice that several credit inquiries have been made by companies, for which I have no recollection of granting authorization. I am well aware that placing inquiries on my credit file without proper consent is not permissible. Hence, I kindly request your immediate attention to rectify this matter by removing the aforementioned unauthorized inquiry from my credit file. 

XXXX XXXX XXXX  XXXX - XXXX I hereby wish to bring to your attention an issue I discovered upon reviewing my credit report. It has come to my notice that several credit inquiries have been made by companies, for which I have no recollection of granting authorization. I am well aware that placing inquiries on my credit file without proper consent is not permissible. Hence, I kindly request your immediate attention to rectify this matter by removing the aforementioned unauthorized inquiry from my credit file. 

XXXX XXXX XXXX - XXXX I hereby wish to bring to your attention an issue I discovered upon reviewing my credit report. It has come to my notice that several credit inquiries have been made by companies, for which I have no recollection of granting authorization. I am well aware that placing inquiries on my credit file without proper consent is not permissible. Hence, I kindly request your immediate attention to rectify this matter by removing the aforementioned unauthorized inquiry from my credit file. 

XXXX XXXX  - XXXX I hereby wish to bring to your attention an issue I discovered upon reviewing my credit report. It has come to my notice that several credit inquiries have been made by companies, for which I have no recollection of granting authorization. I am well aware that placing inquiries on my credit file without proper consent is not permissible. Hence, I kindly request your immediate attention to rectify this matter by removing the aforementioned unauthorized inquiry from my credit file. 

XXXX XXXX XXXX  - XXXX I hereby wish to bring to your attention an issue I discovered upon reviewing my credit report. It has come to my notice that several credit inquiries have been made by companies, for which I have no recollection of granting authorization. I am well aware that placing inquiries on my credit file without proper consent is not permissible. Hence, I kindly request your immediate attention to rectify this matter by removing the aforementioned unauthorized inquiry from my credit file. 

XXXX XXXX  XXXX - XXXX I hereby wish to bring to your attention an issue I discovered upon reviewing my credit report. It has come to my notice that several credit inquiries have been made by companies, for which I have no recollection of granting authorization. I am well aware that placing inquiries on my credit file without proper consent is not permissible. Hence, I kindly request your immediate attention to rectify this matter by removing the aforementioned unauthorized inquiry from my credit file. 

XXXX XXXX XXXX  - XXXX I hereby wish to bring to your attention an issue I discovered upon reviewing my credit report. It has come to my notice that several credit inquiries have been made by companies, for which I have no recollection of granting authorization. I am well aware that placing inquiries on my credit file without proper consent is not permissible. Hence, I kindly request your immediate attention to rectify this matter by removing the aforementioned unauthorized inquiry from my credit file. 

XXXX XXXX XXXX - XXXX I hereby wish to bring to your attention an issue I discovered upon reviewing my credit report. It has come to my notice that several credit inquiries have been made by companies, for which I have no recollection of granting authorization. I am well aware that placing inquiries on my credit file without proper consent is not permissible. Hence, I kindly request your immediate attention to rectify this matter by removing the aforementioned unauthorized inquiry from my credit file.

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