Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I provided Experian notice of unauthorized hard inquiries found on My consumer credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Said notice included the following : " Before the LORD ; for he cometh to judge the earth : with righteousness shall he judge the world, and the people with equity. { XXXX XXXX, XXXX XXXX XXXX } This notice is in response to Report Number XXXX which contains the hard inquiries : XXXX XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX ; XXXX XXXX XXXX Inquired on : XX/XX/XXXX ; XXXX, Inquired on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Every jurisdiction has its own bounds. 

As a consumer credit reporting agency, you shall not refuse to perform a service or refuse to file/record Affiants attached notice under color of code, statute or law, or declare His notice to be unlawful, false, or fraudulent. DO NOT willfully and unlawfully conceal, remove, mutilate, obliterate, or destroys or attempt to do so, or, with intent to do so take and carry away any record, proceeding, map, book, paper, document, or other thing, filed or deposited with any clerk or officer of any court of the United States, or in any public office, or with any judicial or public officer of the United States. Reference 18 United States Code 2071. XXXX XXXX XXXX XXXX Records are vestiges of antiquity and truth. 

XXXX XXXX is XXXX XXXXXXXX XXXX XXXX? It would appear as though the inquirer XXXX XXXX XXXX XXXX has been sold to you, a custodian, and you are participating in fraud. Affiant is not familiar with XXXX XXXX XXXX XXXX. Since there can be no signature on the documents you XXXX have concerning Affiant and XXXX XXXX XXXX XXXX who is accountable for this contract Affiant is being offered? If you can state your claim and provide that contract Affiant has with either you or the original creditor, whereas there is a wet ink signature from Affiant and someone from either you or the original creditor, Affiant is willing to settle this alleged account. If you can not state your claim, remove the inquiry from the credit report, immediately. 

ii. Who/what is XXXX XXXX XXXX It would appear as though the inquirer XXXX XXXX XXXX has been sold to you, a custodian, and you are participating in fraud. Affiant is not familiar with XXXX XXXX XXXX. Since there can be no signature on the documents you may have concerning Affiant and XXXX XXXX XXXX, who is accountable for this contract Affiant is being offered? If you can state your claim and provide that contract Affiant has with either you or the original creditor, whereas there is a wet ink signature from Affiant and someone from either you or the original creditor, Affiant is willing to settle this alleged account. If you can not state your claim, remove the inquiry from the credit report, immediately. 

iii. Who/what is XXXX? It would appear as though the inquirer XXXX  has been sold to you, a custodian, and you are participating in fraud. Affiant is not familiar with XXXX. Since there can be no signature on the documents you may have concerning Affiant and XXXX, who is accountable for this contract Affiant is being offered? If you can state your claim and provide that contract Affiant has with either you or the original creditor, whereas there is a wet ink signature from Affiant and someone from either you or the original creditor, Affiant is willing to settle this alleged account. If you can not state your claim, remove the inquiry from the credit report, immediately. 

iv. Who/what is XXXX? It would appear as though the XXXX XXXX has been sold to you, a custodian, and you are participating in fraud. Affiant is not familiar with XXXX. Since there can be no signature on the documents you may have concerning Affiant and XXXX, who is accountable for this contract Affiant is being offered? If you can state your claim and provide that contract Affiant has with either you or the original creditor, whereas there is a wet ink signature from Affiant and someone from either you or the original creditor, Affiant is willing to settle this alleged account. If you can not state your claim, remove the inquiry from the credit report, immediately. 

v. Who/what is XXXX XXXX XXXX XXXX? It would appear as though the XXXX XXXX XXXX XXXX XXXX has been sold to you, a custodian, and you are participating in fraud. Affiant is not familiar with XXXX XXXX XXXX XXXX Since there can be no signature on the documents you may have concerning Affiant and XXXX XXXX XXXX XXXX, who is accountable for this contract Affiant is being offered? If you can state your claim and provide that contract Affiant has with either you or the original creditor, whereas there is a wet ink signature from Affiant and someone from either you or the original creditor, Affiant is willing to settle this alleged account. If you can not state your claim, remove the inquiry from the credit report, immediately. 

vi. Who/what is XXXX XXXX? It would appear as though the inquirer XXXX XXXX has been sold to you, a custodian, and you are participating in fraud. Affiant is not familiar with XXXX XXXX XXXX Since there can be no signature on the documents you may have concerning Affiant and XXXX XXXX XXXX who is accountable for this contract XXXX is being offered? If you can state your claim and provide that contract Affiant has with either you or the original creditor, whereas there is a wet ink signature from Affiant and someone from either you or the original creditor, Affiant is willing to settle this alleged account. If you can not state your claim, remove the inquiry from the credit report, immediately. 

Take notice and acknowledgment that I, private civilian citizen of the XXXX XXXX XXXX XXXXXXXX XXXX, contributing heir and implied XXXX for the insolvent principal debtor, XXXX XXXX XXXX XXXX XXXX debtor, or principal debtor }, now coming as subrogee, hereby solemnly certify and declare that due to liability and compulsion to pay on behalf of the debtor, and to protect my good name from fraudulent concealment. duress, mistake, implication, and/or compulsion, We now intervene as non-technical implied sureties on behalf of the principal debtor, and to protect against any unjust enrichment to all creditors/subrogors, I, subrogee, do hereby invoke my equitable right to subrogation and substitution to the rights of all creditors/subrogors. XXXX do hereby subrogate and substitute to the above referenced accounts creditors concerning all transactions ab initio of the principal debtors. I appoint Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX as trustees. Now as a matter of course, I, subrogee, order creditors/subrogors to discharge and extinguish any/all past, present and future liens, levies, seizures and obligations against debtor and subrogee, and restore to subrogee creditors secured interests, any/all subrogees collateral, payments, rents, interest and securities of accounts of principal debtor. '' On XX/XX/XXXX, Experian replied " Hard inquiries can't be removed ... '' I replied, Pursuant to 15 United States Code Section 1681e ( b ), " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' As of today, I have not received a response from Experian indicating they will remove the unauthorized hard inquiries from the credit 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