Consumer complaint received 2025-01-16 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: GA

Complaint narrative:
I am absolutely appalled and deeply disturbed to formally highlight a series of appalling concerns regarding the recent XXXX data breach and its devastating impact on my personal and financial information. As you may be aware, XXXX has negligently allowed a significant data breach to occur, exposing the highly sensitive personal information of countless consumers, myself included. Additionally, I am actively involved in the ongoing class action lawsuit arising from this egregious breach. 

Violation of My Consumer Rights My profound discontent and outrage arise from the despicable breach and subsequent illicit dissemination of my confidential information, including but not limited to my name, Social Security number, and other intimate particulars. This reprehensible act constitutes a blatant infringement upon my legal entitlements enshrined within the esteemed Fair Credit Reporting Act ( FCRA ), the Identity Theft and Assumption Deterrence Act, and various state statutes safeguarding consumer interests. The sanctity of these legislative provisions is paramount in shielding individuals against the malevolent exploitation of their personal data and in upholding the imperative mandate for credit reporting agencies to furnish precise and current information. 

Particularly, according to the FCRA ( 15 U.S.C. 1681e ( b ) ), credit bureaus are obligated to guarantee the precision and entirety of the details they disclose, and to eradicate any erroneous information from consumer reports. The infringement has jeopardized my personal information to the peril of identity fraud, and consequently, I am demanding prompt measures to rectify the inaccuracies and transgressions on my credit record. 

Class Action Lawsuit and Impact on My Credit Report Being a victim of the class action lawsuit against XXXX and other accountable entities, I demand restitution for the harm inflicted by the breach and the infringement upon my consumer rights. Apart from the overarching privacy and security transgressions, I am deeply troubled by the falsified portrayal of details on my credit report stemming from deceitful or flawed actions that potentially arose as a result of the breach. 

According to Section 605 of the FCRA ( 15 U.S.C. 1681c ), should any data on my credit report be determined as erroneous or inadequate, I possess the privilege to challenge it and petition for its elimination. Furthermore, the Fair and Accurate Credit Transactions Act ( FACTA ) grants consumers the ability to have any deceitful or inaccurate entries expunged from their credit report in the event that they have fallen prey to identity theft. 

Request for Removal of Accounts and Late Payments As a result of the breach and the actions of XXXX, I hereby demand the immediate removal of the following : Any accounts or entries on my credit report that were opened fraudulently or without my consent as a result of the XXXX breach. 
Any late payments or negative entries that may have been reported as a result of the breach or fraudulent activity. These late payments were not a reflection of my actual payment history and must be corrected.

Any information on my credit report that was reported without my consent or permission in violation of the FCRA 's provisions on consumer privacy ( 15 U.S.C. 1681b ). 
I am demanding that all of these items be updated as current, accurate, and complete, and that the information be verified with the appropriate authorities. This is in accordance with the rights afforded to me under consumer protection laws and the ongoing class action proceedings. 

Legal Rights Under Consumer Protection Laws I am utterly infuriated by the unauthorized divulgence of details to my credit report without obtaining my explicit consent, constituting an egregious infringement upon my rights enshrined within the Fair Credit Reporting Act ( FCRA ). It is imperative for consumer reporting agencies to meticulously adhere to the mandate of reporting precise, comprehensive, and current information. Furthermore, in my capacity as a participant in the class action lawsuit, I am fully justified in pursuing recourse under Sections 1681n and 1681o of the FCRA, which afford me the opportunity to seek redress in the form of statutory damages and other alleviation for transgressions pertaining to consumer rights in relation to credit reporting.

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