Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
To Whom It May Concern, I am writing to demand immediate action regarding the fraudulent and unverifiable information on my credit report. My recent investigation into my credit file revealed inaccurate, unsubstantiated items, and a direct result of identity theft. This has caused me severe emotional distress, which your agency is legally responsible for addressing. Under 15 U.S.C. 1681e ( b ), your agency is required to ensure the maximum possible accuracy of the information contained in my credit report. It is abundantly clear that this obligation has not been met, and I hold your agency fully accountable for this oversight. Furthermore, under 15 U.S.C. 1681i ( a ) ( 7 ), I am entitled to a detailed description of your agency 's procedures to verify the accuracy and completeness of the disputed information. This includes the business name, address, and phone number of any furnisher of the information in question. I demand that this description, including all related documentation, be provided to me within 15 days of this request. 

I have previously notified your agency that I am a victim of identity theft as a result of the XXXX data breach. Attached is my Federal Trade Commission ( FTC ) Identity Theft Report. I have already demanded the immediate removal and blocking of all fraudulent information from my credit report as required by 15 U.S.C. 1681c-2 ( a ). However, the following items remain on my credit report, and this failure to act is unacceptable. 

Items in Question : XXXX - XXXX - My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! 

XXXX - XXXX - My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! 

XXXX - XXXX - My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! 

XXXX - XXXX - My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! 

I did not initiate any of these inquiries. If you believe otherwise, provide me with copies of my written consent. The following items must be removed from my consumer report immediately under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : XXXX - XX/XX/year> - Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX - XXXX - Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from 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