Consumer complaint received 2024-07-22 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, After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer under subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that a consumer does not initiate. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( XXXX ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY, as it's harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY, as it's harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX - XX/XX/XXXX - XXXX can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY, as it's harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX XXXX - XX/XX/XXXX - You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY, as it's harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX - XX/XX/XXXX - XXXX can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY, as it's harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX - XX/XX/XXXX - XXXX can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY, as it's harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY, as it's harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY, as it's harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX - XX/XX/XXXX - XXXX can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY, as it's harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX - XX/XX/XXXX - XXXX can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY, as it's harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX XXXX XXXX  XX/XX/XXXX - You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY, as it's harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX XXXX - XX/XX/XXXX - You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY, as it's harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX  XXXX - XX/XX/XXXX - You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY, as it's harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX XXXX - XX/XX/XXXX - You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY, as it's harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX - You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY, as it's harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY, as it's harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX - XX/XX/XXXX - XXXX can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY, as it's harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX - XX/XX/XXXX - XXXX can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY, as it's harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX - XX/XX/XXXX - XXXX can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY, as it's harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY, as it's harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX XXXX XXXX XX/XX/XXXX - You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY, as it's harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX XXXX - XX/XX/XXXX - You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY, as it's harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX - XX/XX/XXXX - XXXX can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY, as it's harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX - XX/XX/XXXX - XXXX can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY, as it's harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX XXXX - XX/XX/XXXX - You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY, as it's harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX - XX/XX/XXXX - XXXX can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY, as it's harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX - XX/XX/XXXX - XXXX can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY, as it's harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX - XX/XX/XXXX - You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY, as it's harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX - XX/XX/XXXX - XXXX can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY, as it's harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX - XX/XX/XXXX - XXXX can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY, as it's harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX - XX/XX/XXXX - You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY, as it's harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX - XX/XX/XXXX - XXXX can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY, as it's harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 


Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. 

XXXX XXXXXXXX XXXX XXXXXXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXXXXXX XXXX XXXX  XXXX - The XXXX XXXX breach messed with my info, and now I'm seeing some sketchy stuff on my credit report. These claims aren't verified, and by the rules, you can't report them as legit without proof. I want evidence you're following compliance standards for this account. The FTC is looking into this, so take those unverified claims off my report. 

XXXX XXXX XXXX - XXXX - The XXXX XXXX breach messed with my info, and now I'm seeing some sketchy stuff on my credit report. These claims aren't verified, and by the rules, you can't report them as legit without proof. I want evidence you're following compliance standards for this account. The FTC is looking into this, so take those unverified claims off my 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