Consumer complaint received 2025-01-23 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: OH

Complaint narrative:
Letter sent to Experian, XXXX, and XXXX Subject : Data Breach Notification and Request for Action Under FCRA and FCBA I am writing to formally notify you of a data breach involving my personal information, which I have learned through the mail regarding theXXXX data breach. Delete all late payments and inaccurate information from my credit report. I am requesting that you take immediate corrective action in compliance with applicable provisions of theFair Credit Reporting Act ( FCRA ) and theFair Credit Billing Act ( FCBA ), and to safeguard my credit information. 

Relevant Legal Provisions : XXXX15 U.S. Code 1681a ( 2 ) ( xi ) Definition of Consumer Report As my personal information has likely been exposed, I request that you take all necessary steps to ensure my credit file is protected from misuse and to address any incorrect or fraudulent entries resulting from this breach. 

XXXX15 U.S. Code 1681 Section 602 General Purpose Under the FCRA, it is your duty to maintain the accuracy and privacy of consumer information, and to promptly investigate and correct any fraudulent activity related to the breach. This is a request to fulfill that obligation regarding my account. 

XXXX.15 U.S. Code 1681c Notice of Negative Information Please provide me with a free copy of my credit report under the provisions of the FCRA to ensure no inaccurate or fraudulent information has been added to my file. If negative information resulting from the breach is present, I expect prompt notification and correction, per the requirements of this statute. 

XXXX.15 U.S. Code 1666b Billing Error Resolution ( Fair Credit Billing Act ) If any unauthorized charges or fraudulent activity is detected as a result of the breach, I also ask that you provide me with a formal review process under theFair Credit Billing Act, which governs the correction of billing errors and ensures timely resolution. 

XXXX15 U.S. Code 1681 Section 605A Fraud Alerts Please place a fraud alert on my credit file and send me written confirmation that this request has been processed. I would also appreciate any additional steps or services offered by XXXX to assist in monitoring and safeguarding my identity. 

Request for Action : Investigation : I request that you investigate and resolve any discrepancies or fraudulent activities that may have occurred due to the XXXX breach, as well as take corrective measures under15 U.S. Code 1681cto update or remove any erroneous entries.

Free Credit Report : Please provide me with a free copy of my credit report and any additional reports from XXXX or its affiliates related to my account. 
Fraud Alerts & Monitoring : As per my rights, please initiate a fraud alert and provide any monitoring or identity protection services XXXX offers in the wake of this breach. 

Response Time : In accordance with15 U.S. Code 1681i, you are required to complete your investigation within30 daysof receiving this notice and correct any discrepancies in my file promptly.

Please send me written confirmation that these actions are being taken, and provide any additional guidance or steps I should take to protect my identity and financial interests.

I appreciate your prompt attention to this matter. I look forward to your response and resolution of these issues. 

Sincerely,

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