Consumer complaint received 2024-09-17 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: OH

Complaint narrative:
To Whom It May Concern, I want to remind you once again that you must immediately remove any unproven claims listed above or below from your reporting. For you, as the provider of alleged data, to have the conditional privilege to report, you must meet at least the minimum criteria. I do not accept the reportability of any claims that you can not prove with undeniable facts, even those that comply with the necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete Metro 2 Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please provide the method by which you verified that I applied directly for credit or gave permission to this company to access my credit by way of a signed authorization bearing my signature. If unable to do so, have this DELETED from my credit file because it is making it very difficult for me to acquire credit? Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report The FCRA states that the only permissible purpose for pulling someone's credit is for A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Once again, DELETE! 

Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX - XXXX Per FCRA Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I request the immediate removal of inaccurate and unverified personal information from my credit report. Do not retain or report any name, address, SSN, or date of birth other than those listed in this letter. 

XXXX XXXX XXXX XXXX  XXXX Per FCRA Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I request the immediate removal of inaccurate and unverified personal information from my credit report. Do not retain or report any name, address, SSN, or date of birth other than those listed in this letter. 

XXXX XXXX XXXX - XXXX Per FCRA Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I request the immediate removal of inaccurate and unverified personal information from my credit report. Do not retain or report any name, address, SSN, or date of birth other than those listed in this letter. 

XXXX XXXX XXXX - XXXX Per FCRA Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I request the immediate removal of inaccurate and unverified personal information from my credit report. Do not retain or report any name, address, SSN, or date of birth other than those listed in this letter. 

XXXX XXXX - XXXX Per FCRA Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I request the immediate removal of inaccurate and unverified personal information from my credit report. Do not retain or report any name, address, SSN, or date of birth other than those listed in this letter. 

XXXX - XXXX Per FCRA Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I request the immediate removal of inaccurate and unverified personal information from my credit report. Do not retain or report any name, address, SSN, or date of birth other than those listed in this letter.

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