Consumer complaint received 2024-11-07 00:00:00
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.
State: TX

Complaint narrative:
Complaint to the CFPB regarding personal data exposure and negative credit records Summary of the Situation : Dear CFPB Representatives : I am submitting this complaint to request an investigation following a security breach in which XXXX  XXXX XXXX XXXX XXXX ( XXXX  ) failed to adequately protect my personal information. According to XXXX, on XX/XX/year>, a third party gained unauthorized access through the XXXX software, affecting thousands of customers and exposing sensitive data, including my name, address, date of birth, Social Security number, and bank account number. This failure to protect my information has caused significant vulnerability in my credit history and increases the risk that negative information on my report may be inaccurate or impacted by unauthorized activity. 

Legal Argumentation : Violation of the Gramm-Leach-Bliley Act ( GLBA ) : Safeguards Rule : Under this law, financial institutions must implement strict security measures to protect customers ' personal data. XXXX did not meet this obligation, exposing me to risks and compromising the accuracy of the information reported on my credit report. 
Privacy Rule : XXXX  was obligated to promptly notify me about how it protected my information, and its failure to do so directly affects the validity of the negative records reported.

Violation of the Fair Credit Reporting Act ( FCRA ) : Section 1681i ( a ) - Right to Accurate Information : Due to this data breach, the negative information reported by XXXX  may be inaccurate. This section requires that all information be accurate and verifiable.

Section 1681s-2 ( b ) - Obligation of Information Furnishers : The law requires creditors to verify the accuracy of information before reporting it. Given that XXXX acknowledged the exposure of my data, they may not have met this requirement.

Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Section 1692e - Prohibition of False or Misleading Representation : Any negative representation reported without adequate protection of my data could be considered misleading and may not accurately reflect my actual credit situation. 
Request for Investigation and Correction : I request that the CFPB investigate this case and determine the accuracy of the negative information reported by XXXX  on my credit. I also ask that these negative records be removed due to the failure to protect my personal data and the vulnerabilities created by its exposure. I trust that the CFPB can ensure my credit report is fair and accurately reflects my history without errors caused by negligence beyond my control. 

Thank you for your attention, and I look forward to a prompt response that protects my rights as a consumer. 

This complaint emphasizes XXXX 's failure to fulfill its legal responsibilities and requests an investigation to ensure that your credit report reflects fair and accurate information.

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