Consumer complaint received 2024-08-08 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, After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer under subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX XXXX XXXX  - XX/XX/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 - XX/XX/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  - XX/XX/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 - XX/XX/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  - XX/XX/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 - XX/XX/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 - XX/XX/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 - XX/XX/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 - XX/XX/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 - XX/XX/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  XX/XX/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 - XX/XX/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  - XX/XX/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 XXXXXX/XX/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  - XX/XX/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 - XX/XX/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 XX/XX/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  - XX/XX/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  - XX/XX/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  XX/XX/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. 

XXXXXXXX XXXX XXXXXXXX - XX/XX/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. 

US DEPARTMENT OF EDU - 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. 

U S DEPT OF EDXXXX 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.

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