Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Subject : Urgent Dispute of Fraudulent Accounts due to Data Breach, Identity theft report attached. I am writing you to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as a result of the data breach. I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of your receipt of this letter. I have included a copy of my Identity Theft Report # XXXX for your reference. I have also a screenshot of XXXX confirming i am affected by the breach as well as the results of transunion deleting the fraudulent accounts and all bureaus must report with accuracy across the board. The details of the fraudulent account are as follows : Please block and delete the following accounts listed on my 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 XXXXXXXX Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under 15 U.S.C. 1692k for the following reasons : Defamation of Character ; Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act ; Violation of 15 U.S. Code 1681o Violation of 15 U.S. Code 1681n ( b ) ; Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b ; Violations under 15 U.S. Code 1681c Violation of 15 U.S. Code 1681a ( 4 ) ( Right to privacy ) Under 15 U.S.C. 1681 ii ( 7 ) ( Method of verification ) also This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : XXXX*15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Print fraudulently opened in my name be blocked immediately. 2. **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. **15 USC 1681e ( b ) ** : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. **15 USC 1681g ( a ) ** : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this data breach. 5. **15 USC 1681m** : As required by this statute, please ensure that any negative information resulting from the data breach is not reported inappropriately. 6. **15 USC 1681n** : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. 7. Georgia Law protects victims of identity theft and requires the removal of fraudulent accounts. 8. Violation of 15 usc 1681 ( n ) - negligence and noncompliance.

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