Consumer complaint received 2025-02-24 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: CA

Complaint narrative:
Wrote XXXX XXXX XXXX asking about a unfamiliar uncertainty of a credit check ad hard inquiry left on my Experian Report. The FCRA says they are supposed to send me a letter stating what this credit check is about and just who they are. 
From The FCRA Documents uploaded. 
Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need - usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. 
I demand to know what this valid reason is by XXXX XXXX XXXX from XXXX XXXX XXXX in a letter through the USPS So, I have a document uploaded that says XXXX XXXX XXXX accessed my credit file my credit file was locked. As you can see underneath XXXX XXXX XXXX file locked. So, this is impermissible evidence, and I believe that me, XXXX XXXX is the only one who can give a business permission to do so. I ask The United States of America to give me my prospers into respecting my as a United States citizen. So, I have the protection under the XXXX Amendment, but that protection is being bullied by some who like to put everything I do, down. So, maybe it is these so called Christians who say I do not care about my credit report it is all a hustle, what kind of person who does not care about their credit agency report profile would have XXXX business as the number who have reported that I was late paying the bill for the month. That is right XXXX years and never late not even once. 
So I am asking that XXXX XXXX XXXX to send me a letter explaining who they are, what exactly was I, XXXX XXXX allowing XXXX XXXX XXXX to for, what was the nature of our business What Is Vigilantism? 
XXXX is the act of preventing, investigating, and punishing perceived offenses and crimes without legal authority. 
A vigilante is a person who takes the law into their own hands when they believe that the law is not doing enough to ensure justice. Sometimes, citizens form a group of vigilantes to police their community independently, without legal authority. They do not necessarily enforce the laws of their jurisdiction but rather operate by their own sense of right and wrong. The groups we are most familiar with, such as the people at " neighborhood watch '' get-togethers, often work closely with local police, but they have no authority to make arrests or take any policing action. If a neighborhood watch group goes beyond such efforts to help peace officers, such as sharing information with them, and instead takes matters into it What Is XXXX? 
XXXX is the act of preventing, investigating, and punishing perceived offenses and crimes without legal authority. 
A vigilante is a person who takes the law into their own hands when they believe that the law is not doing enough to ensure justice. Sometimes, citizens form a group of vigilantes to police their community independently, without legal authority. They do not necessarily enforce the laws of their jurisdiction but rather operate by their own sense of right and wrong. The groups we are most familiar with, such as the people at " neighborhood watch '' get-togethers, often work closely with local police, but they have no authority to make arrests or take any policing action. If a neighborhood watch group goes beyond such efforts to help peace officers, such as sharing information with them, and instead takes matters into it What Is XXXX? 
XXXX is the act of preventing, investigating, and punishing perceived offenses and crimes without legal authority. 
A vigilante is a person who takes the law into their own hands when they believe that the law is not doing enough to ensure justice. Sometimes, citizens form a group of vigilantes to police their community independently, without legal authority. They do not necessarily enforce the laws of their jurisdiction but rather operate by their own sense of right and wrong. The groups we are most familiar with, such as the people at " neighborhood watch '' get-togethers, often work closely with local police, but they have no authority to make arrests or take any policing 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