Consumer complaint received 2024-02-02 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: AZ

Complaint narrative:
I am writing to file a formal complaint against Experian for numerous willful violations related to the reporting of hard inquiries on my credit report. The inaccuracies, unauthorized disclosures, and potential identity theft not only breach the Fair Credit Reporting Act ( FCRA ), Consumer Credit Protection Act ( CCPA ), and Privacy Act but also implicate more severe criminal activities such as identity theft and securities fraud. 

Inaccurate Reporting of Hard Inquiries : Experian has inaccurately reported numerous hard inquiries on my credit report, leading to a poor FICO score. These inaccuracies and unauthorized disclosures of private information have made it challenging for me to apply for consumer credit, as many of these inquiries, often resulting in denials, do not belong on my report.

Violations of FCRA, CCPA, and Privacy Act : The unauthorized reporting of hard inquiries constitutes clear violations of FCRA, CCPA, and the Privacy Act ( 15 USC 1681, 5 USC 552a ). The inclusion of inaccurate and unauthorized information on my credit report jeopardizes my financial standing and violates my rights as a consumer.

Identity Theft and Fraudulent Activities : The inclusion of unauthorized hard inquiries on my credit report may constitute identity theft, particularly if these inquiries were not initiated by me. Moreover, the potential fraudulent activities extend to the violation of XXXX XXXX, which relates to identity theft in Arizona. 
Securities Fraud : Furthermore, the unauthorized use of my signed credit applications, even if denied, as a means to profit by selling personal information on the secondary market constitutes securities fraud. This is a serious offense, punishable by felony charges.

I am deeply concerned about the potential harm these inaccuracies and unauthorized disclosures may have on my credit standing, and I believe the situation goes beyond simple reporting errors. Therefore, I request the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and take immediate actions to rectify the inaccuracies and address the potential identity theft and fraudulent activities. 

Enclosed with this letter, you will find supporting documentation, including proof of the inaccuracies, relevant legal provisions ( FCRA, CCPA, Privacy Act, XXXX XXXX ), and details about the potential identity theft and securities fraud. I trust that the Consumer Financial Protection Bureau will address this complaint expeditiously and ensure the accuracy and fairness of my credit report, as well as take appropriate actions to investigate potential criminal activities. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.

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