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, It is clear that the claim made against me is unjust and has caused significant harm to my personal, emotional, and financial well-being, as well as my creditworthiness. I am challenging your assumed privilege to report this claim and requesting proof that your reporting practices are ethical, lawful, and compliant with all requirements. My concern is not with the right to collect but with the apparent lack of fair reporting practices about the specific claim made against me. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see verifiable proof ( of an original consumer contract with my signature on it ) that you have on file for the account listed below Listed below are the Accounts that are being challenged : XXXX XXXX - XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX  - XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX - XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX  - XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX  - XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX  XXXX - XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX - XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX - XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX - XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

Listed below are the Inquiries that are being challenged : FACTUAL DATA - XXXX I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. 

XXXX XXXX - XXXX I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. 

XXXX XXXX - XXXX I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. 

XXXX XXXX - XXXX I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. 

XXXX - XXXX I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. 

XXXX  - XXXX I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. 

XXXX - XXXX I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. 

XXXX XXXX  XXXX - XXXX I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. 

XXXX - XXXX I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. 

XXXX XXXX - XXXX I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information.

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