Consumer complaint received 2024-07-15 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:
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 pursuant to 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 ( 2 ) 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 - XX/XX/XXXX - I already stated that this is unknown to me. I also know that the FCRA states that the only purposes for pulling someone's credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove me from reporting on my credit report. 

XXXX - XX/XX/XXXX - I already stated that this is unknown to me. I also know that the FCRA states that the only purposes for pulling someone's credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove me from reporting on my credit report. 

XXXX - XX/XX/XXXX - I already stated that this is unknown to me. I also know that the FCRA states that the only purposes for pulling someone's credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove me from reporting on my credit report. 

XXXX - XX/XX/XXXX - I already stated that this is unknown to me. I also know that the FCRA states that the only purposes for pulling someone's credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove me from reporting on my credit report. 

XXXX - XX/XX/XXXX XXXXI already stated that this is unknown to me. I also know that the FCRA states that the only purposes for pulling someone's credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove me from reporting on my credit report. 

XXXX XXXX XXXX - XX/XX/XXXX - I already stated that this is unknown to me. I also know that the FCRA states that the only purposes for pulling someone's credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove me from reporting on my 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