Consumer complaint received 2024-09-09 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: MN

Complaint narrative:
To Whom It May Concern, This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report. I lawfully obtained these reports through the declaration of the rights granted to consumers under the Fair Credit Reporting Act. The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the allowable reporting periods as detailed in the Act for the specific item as it appears. Please provide proof that the information as contained on the reported tradeline is 100 % Accurate, Complete, Verifiable, AND Timely. Please re-investigate the accusations that are detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any obligations of your reporting bar none. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You violated 15 U.S. Code 1681b regarding permissible purposes of consumer reports. I never gave written consent for any information to be reported. By law, you must delete these accounts immediately, or I will pursue monetary damages in small claims court. This matter has also been reported to the CFPB, Attorney General 's Office, XXXX, and FTC. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX You violated 15 U.S. Code 1681b regarding permissible purposes of consumer reports. I never gave written consent for any information to be reported. By law, you must delete these accounts immediately, or I will pursue monetary damages in small claims court. This matter has also been reported to the CFPB, Attorney General 's Office, XXXX, and FTC. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX You violated 15 U.S. Code 1681b regarding permissible purposes of consumer reports. I never gave written consent for any information to be reported. By law, you must delete these accounts immediately, or I will pursue monetary damages in small claims court. This matter has also been reported to the CFPB, Attorney General 's Office, XXXX, and FTC. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX You violated 15 U.S. Code 1681b regarding permissible purposes of consumer reports. I never gave written consent for any information to be reported. By law, you must delete these accounts immediately, or I will pursue monetary damages in small claims court. This matter has also been reported to the CFPB, Attorney General 's Office, XXXX, and FTC. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX You violated 15 U.S. Code 1681b regarding permissible purposes of consumer reports. I never gave written consent for any information to be reported. By law, you must delete these accounts immediately, or I will pursue monetary damages in small claims court. This matter has also been reported to the CFPB, Attorney General 's Office, XXXX, and FTC. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX XXXX - XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

Listed below are the Inquiries that are being challenged : XXXX - XXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX - XXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX XXXX XXXX XXXXXXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX XXXX - XXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX XXXX - XXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX XXXX XXXX - XXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX XXXX - XXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX XXXX XXXX - XXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX XXXX XXXX - XXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX XXXX XXXX - XXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX XXXX - XXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX XXXX XXXX - XXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX XXXX - XXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX XXXX XXXX XXXXXXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX XXXX - XXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX XXXX - XXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX XXXX - XXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX XXXX - XXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX XXXX - XXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE!

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