Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am writing to demand your immediate intervention in blocking and removing fraudulent information from my credit report. My Social Security number has been compromised due to identity theft and a data breach. Attached to this complaint is the FTC Identity Theft Report I filed. Under 15 USC 1681c-2 ( c ) ( a ), the credit reporting agency is legally obligated to block and remove the fraudulent information from my credit report within four business days of receiving my complaint. This has not been done. 

The following items are disputed and must be addressed immediately : XXXX XXXX XXXX XXXXXXXX The credit reporting agency has violated United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. Specifically, subsection ( a ) ( 2 ) states that a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, the agency is required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. This letter has also been shared with the Attorney General 's Office, XXXX XXXX XXXX XXXX and the Federal Trade Commission. Immediate attention to this matter is expected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized hard pull. Where did they get this misleading information? This is unfair! DELETE IT IMMEDIATELY! 

Failure to comply with my request will result in legal action against the credit reporting agency. Each violation of my rights under the following statutes will incur statutory damages of {$1000.00} per violation, as specified in 15 U.S.C. 1692k : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance under 15 U.S. Code 1681o Civil liability for willful non-compliance under 15 U.S. Code 1681n ( b ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports under 15 U.S. Code 1681b Failure to follow verification methods under 15 U.S.C. 1681i ( 7 ) Violation of my right to privacy under 15 USC 1681a ( 4 ) Violation of information requirements under 15 U.S. Code 1681c This letter serves as formal notice that any delay in addressing my dispute will be deemed willful non-compliance and will be forwarded to my attorney for litigation. The credit reporting agency is legally required to handle my dispute without delay, regardless of assumptions about third-party involvement. Attempts to delay or deny processing of consumer disputes based on such assumptions are illegal.