Consumer complaint received 2023-12-27 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: SC

Complaint narrative:
Experian, the reporting agency unlawfully used principal 's personal identifying information in an unauthorized way, by committing fraud and misrepresenting principal 's intent without principal 's consent. Experian fraudulently placed the following " personal statement '' on principal 's credit report, claiming to be the principal, without the consent and authorization from principal or agent for principal, and without attempting to obtain such consent and authorization from the principal or the agent for the principal : " PERSONAL STATEMENTS XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. '' This is an unlawful and gross unauthorized use of personal identifying information, in what I believe to be a long going series of discriminatory, fraudulent, false, deceptive and misleading business practices as well as privacy crimes, in order to negatively effect the principal in question 's free exercise of his rights in commerce, and to unjustly gain from keeping a certain demographic of consumers in lower scores than should actually reflect by using these said unlawful practices. 

The principal had recently notified the CFPB and reporting agencies of unauthorized inquiries on the principal 's credit report. In what I believe to be discriminatory retaliation, and what I know to be fraud, and unauthorized use of PII, instead of Experian immediately removing the unauthorized inquiry, Experian, fraudulently placed a fraud alert on the principal 's credit report without the principal 's or the principal 's agent 's consent, and wrote it from the XXXX point as if the principal wrote it, and disclosed further personal identifying information of the principal without the principal 's consent. This fraud upon the principal is clear, and the fact that, Experian, did not remove the unauthorized inquiries yet, as of this notice, is further prime facie evidence deceptive practices, showing they are quicker to do an unlawful and fraudulent act, before they carry out their fiduciary duty to protect consumer 's privacy, and conduct business strictly within the intentions of the United States of America XXXX XXXX, outlined in the provisions of the Fair Credit Reporting Act, and other applicable enacted statutes and regulations. 

This notice will stand as an addition to the record of the ongoing series of discriminatory events regarding Experian, and other reporting agencies involved, compiled for private action.

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