Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 6. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX Account Number : XXXX Delete this account. 

9. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX Account Number : XXXX Delete this account. 

13. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 

14. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX 15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


16. I did dot give them permission to check my credit XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

17. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.

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