Consumer complaint received 2024-11-28 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY REMOVAL RE : Never Initiated-Non-Permissible Inquiries Reported / Violations When Requesting Proof from Creditors, NO Proof Issued Dear Experian Dispute Department, I have not applied for any type of credit for that I can recall for the past 18 months. 
Experian Dispute Dept : Illegal Reporting Procedures WITHOUT No Proof Hello and please read on. I just paid for a credit report and noticed these inquiries that I have no knowledge of. 

I have NOT given ANYONE permission or consent to do so, as I have not applied for credit for almost 2 years. I am giving you as much information as I can to help you with this reinvestigation demand. I personally believe that someone has hacked or stolen my identity because of having excellent credit myself. 

According to Section 604, FCRA, I would greatly appreciate if you would kindly, provide me for what they call a permissible purpose or proof that I applied or initiated these inquiries from each company as I am concerned about my security and privacy of my credit, something that I take pride in. I also understand that written authorization for all inquiries listed have to be documented and proven if reported. If you have NO proof or evidence with supporting documents, please have these deleted immediately. 

I have also contacted the creditor in question and they claim they have NO proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide to me a permissible purpose or proof and now for me, this is a major concern. Because they do not have my proof of authorization, whether written or verbal, I am asking you to kindly delete these inquiries from my credit report of Experian because it is unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization or a permissible purpose. Once again, I can assure you I have not applied for any type of credit for almost 2 years because I have not had to do such a thing, thank God.

Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently. Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete. 

Although not many, the possibility of someone using my personal information concerns me and has me stressed for many reasons. These companies do and did not have permission or authorization to request my credit report from your company : XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX Inquiry : 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  Inquiry : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX I XXXX very concerned because I did not apply for any credit with these companies. I demand the removal of these unauthorized, unproven, non-compliant, and unverified inquiries immediately as required by law if not proven with an actual purpose. Please mail a new credit report when these expectations have been deleted. 

Thanks for your cooperation, XXXX XXXX XXXX XXXX UPDATE Dear XXXX, Please find the enclosed personal information that should be reporting. 

My name is XXXX XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX My City, State XXXX CA XXXX My Social Security ends in XXXX My date of birth is XX/XX/XXXX. 
My employer is RENEWAL BY XXXX I ask that my phone number remain private for reason of security concerns and since I am on the do not call list to avoid all marketing and sales calls, I need this information removed. 

This is the only information to be reporting. All of my creditors have been informed of this information to be assured it is correct. 

I am making sure as I insist that all of my information is current and accurate as required. Any other information reporting would be obsolete and or erroneous. 

Please send me updated credit report when you have made the corrections in order for the credit report to be accurate. 

Thank you for your cooperation.

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