Complaint #1678484 submitted on 12/01/2015 relating to Experian. Complaint relates to Credit reporting - Improper use of my credit report Report improperly shared by CRC.
Complaint was submitted via Web and sent to the company on Friday 4th December 2015.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX . # XXXX XXXX, NY XXXX : XXXX XXXX of SS # ( XXXX ) Drivers License : New York # XXXX : Unauthorized Credit Inquiry XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Whom It Concerns at XXXX XXXX XXXX : I have noticed that you have placed an inquiry on my Experian credit file dated XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose for doing so since I did not apply for employment with your organization nor did I request credit from your organization.
Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false 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 ; '' You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law -- performing a " hard inquiry '' on my Experian file without my permission. I do hope that we can settle this matter amicably. You can remove the inquiry within XXXX ( XXXX ) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees. The choice is up to you.
Please contact me immediately at the address listed below.
Sincerely, XXXX XXXX
| Company | Experian |
| Complaint ID | 1678484 |
| Date Received | 12/01/2015 |
| Product | Credit reporting |
| Issue | Improper use of my credit report Report improperly shared by CRC |
| State/ZIP Code | NY 100XX |
| Consumer Consent | Consent provided |
| Company Public Response | Company chooses not to provide a public response |
| Company Response To Customer | Closed with explanation |
| Submitted | Web 12/04/2015 |
| Result | Timely Response: Yes, Consumer Disputed: Yes |
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