Consumer complaint received 2024-03-18 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: PA

Complaint narrative:
Dear CFPB This is my formal complaint against Experian for aggravated identity theft and violation of several laws as it pertains to my consumer rights. XX/XX/24 I mailed a certified letter requesting the certified permissible purpose document for alleged inquires. Pursuant to 15 U.S.C. 1681g ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request. Experian continues to send parroted responses instead of providing what I asked for. Which is willful noncompliance and a violation of 15USC 1681g. 15USC 1681n Civil liability for willful noncompliance which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Are they above the lawXXXX The law on permissible purposes is clear. 15USC 1681b states ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 1.The order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.2.The written instructions of the consumer to whom it relates. My request for the identification and certification of the permissible purpose documents was clear and concise. Not providing me the information despite several attempts, has led me to believe My personal information has been compromised and have been used without lawful authority to obtain credit. The bureau furnished my consumer profile without my consent. It is the duty of the credit bureau to certify the permissible purpose.15 U.S. Code 1681e - Compliance procedures. ( 2 ) Responsibilities of procurers for resale : A person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by the person only for a purpose for which the report may be furnished under section 1681b of this title, including by requiring that each person to which the report ( or information ) is resold and that resells or provides the report ( or information ) to any other person ( i ) identifies each end user of the resold report ( or information ) ; ( ii ) certifies each purpose for which the report ( or information ) will be used ; and ( iii ) certifies that the report ( or information ) will be used for no other purpose ; and ( B ) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph ( A ). My request for the identification and certification of the permissible purpose document was clear and concise. Experian has not performed as requested, which is stated as aggravated identity theft and is in fact a felony. 18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses. ( 1 ) In general.Whoever, during and in relation to any felony violation enumerated in subsection c ( felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. Experian has Proven to be negligent. I demand this information be permanently block and removed the listed inquiries 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 non-monetary relief