Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : XXXX which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report.

Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below.

1.Identity Theft.XXXX XXXXAccount Number:XXXXPlease investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately2.Identity Theft.PXXXX XXXX XXXXAccount Number:XXXXXXXXi dont recall having late-payment on this account3.Identity Theft.XXXX XXXX XXXXAccount Number:XXXXThis is not mine.4.Identity Theft.XXXX XXXXAccount Number:XXXXPlease removed from my public record5.Identity Theft.XXXXXXXX XXXX XXXXAccount Number:XXXXPlease supply information on how you have verified this item.6.Identity Theft.XXXX XXXXAccount Number:XXXXPlease verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 7.Identity Theft.XXXX XXXXAccount Number : Please ensure that all information is accurate8.Validate AccountXXXX XXXXAccount Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.9.Validate AccountXXXX XXXXAccount Number : I need to see all bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment10.Identity Theft.XXXX XXXX XXXX XXXXAccount Number : Please remove inaccurate reported late payments update to paid as agreed11.Identity Theft.XXXX XXXXAccount Number : Please investigate and delete from my credit report.12.Validate AccountXXXX XXXXAccount Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately13.Validate AccountXXXX XXXXAccount Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 14.Identity Theft.XXXX XXXX XXXXAccount Number:XXXX.Identity TheftXXXXAccount Number : Please Update all payment, all pay was made on time.16.Identity Theft.XXXX XXXXAccount Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.17.Validate AccountXXXX XXXXAccount Number : Please remove inaccurate reported late payments update to paid as agreed18.Validate AccountXXXX XXXXccount Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting XXXX.Identity Theft.XXXX XXXXAccount Number : My parent has the same name as me.20.Identity Theft.XXXX XXXX XXXX XXXXAccount Number : THIS CONTRACT IS CANCELED21.Validate AccountXXXX XXXXAccount Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately22.Identity Theft.XXXX XXXX XXXXAccount Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting XXXX.Identity Theft.XXXX XXXXAccount Number : Please supply information on how you have verified this item.24.Identity TheftXXXX XXXX XXXXAccount Number : Please remove inaccurate reported late payments update to paid as agreed25.Identity Theft.XXXX XXXX XXXXAccount Number : This is not mine.26.Validate AccountXXXX XXXXAccount Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.27.Validate AccountXXXX XXXXAccount Number : Please supply information on how you have verified this item.28.Identity Theft.XXXX XXXX XXXXAccount Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 29.Identity Theft.XXXX XXXX XXXXAccount Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t30.Validate AccounXXXX XXXX XXXXAccount Number : My parent has the same name as me.31.Validate AccountXXXX XXXXAccount Number : This is not mine.32.Validate AccountXXXX XXXXAccount Number : Please ensure that all information is accurate33.Validate AccountXXXX XXXX XXXX XXXXAccount Number : Please Update all payment, all pay was made on time.34.Identity Theft.XXXX XXXX XXXXAccount Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the XXXX  statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 35.Validate AccountXXXX XXXX XXXXAccount Number:36.Identity Theft.XXXX XXXX XXXXAccount Number : i dont recall having latepayment on this account37.Identity TheftXXXX XXXX XXXXAccount Number : THIS CONTRACT IS CANCELED38.Identity Theft.XXXX XXXX XXXXAccount Number : Please remove it from my credit report.39.Validate AccountXXXX XXXX XXXXAccount Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t40.Identity Theft.XXXX XXXX XXXXAccount Number : Please investigate and delete from my credit report.41.Validate AccountXXXX XXXX XXXXAccount Number : Please investigate and delete from my credit report.42.Identity Theft.XXXX XXXXAccount Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately43.Identity Theft.XXXX XXXX XXXXAccount Number : Please remove inaccurate reported late payments update to paid as agreed44.Validate AccountXXXX XXXX XXXX XXXXAccount Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.45.Validate AccountXXXXAccount Number : Please supply information on how you have verified this item.46.Identity TheftXXXX XXXX XXXXAccount Number : Please removed from my public record47.Identity Theft.XXXX XXXX XXXXAccount Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately48.Identity Theft.XXXX XXXX XXXX XXXXAccount Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately49.Validate AccountXXXX XXXX XXXX XXXXAccount Number : i dont recall having latepayment on this account Failure to respond satisfactorily will result in a small claims action against your Agency. I will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : 1. Defamation of Character2. Negligent Enhancement of Identity Fraud3. Violation of the Fair Credit Reporting Act4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports8. Under 15 U.S.C. 1681i ( 7 ) Method of verification9. Violations under 15 USC 1681 a ( 4 ) right to privacy10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I expect this letter to be taken seriously and I demand this fraudulent account be blocked and removed from my report as I have provided you with the required pieces of 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