Consumer complaint received 2024-03-13 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: NY

Complaint narrative:
After receiving my credit report, I noticed an another extremely high number of unauthorized inquiries on my credit report. Which I have not giving any consent to. This is a violation of my privacy as well as ruining my reputation. It has been very difficult for me and my family and has put a lot of stress on me not being able to get approve for a mortgage I recently applied for. Its seeming to be Experian and its agents are being unfair and partial, nor have I giving any under 15USC 1681b they had no permissible purpose. I have not given Experian any order to furnish these reports and I have never consent to these reports in the beginning. This would be considered identity theft. I have reached out and spoke with a fraud specialist at Experian where we spent over an hour disputing these inquiries. I would like to request these inquiries be removed and requesting your assistance thats there is a proper investigation. These reports are impacting me negatively which makes it extremely hard to get housing for me and my family. I would also like to request proof of any written authorization Experian has received from these creditors showing that I have made consent to these authorizations and that they investigate in good faith. I will attach a copy of the laws that Experian will be in violation of below. 15 U.S. Code 1681b ,15 U.S. Code 1681c2, 15 U.S. Code 1681d, 15 U.S. Code 1681e, 15 U.S. Code 1681i, 15 U.S. Code 1681n, 15 U.S. Code 1681q, 15 U.S. Code 1681s. 

Also, I spoke to a fraud agent and disputed accounts that are reporting inaccurate information and seeming to be fraudulent as well. I would also like your assistance that this account is validated correctly. 

" Letter to Experian '' According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), federal law requires you to verify - through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 



This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay these debts. 

Please provide me with the following : What the money say I owe is for : Explain and show me how these were calculated what say I owe : Provide me with copies of any papers that show I agreed to pay these debts that these companies say I owe with my signature : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that any debt collector asking me to pay a debt are licensed to collect in my state New York : If there is any question or additional information needed feel free to reach out me Sincerely, XXXX XXXX Void where prohibited by law.

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