Consumer complaint received 2024-09-03 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: GA

Complaint narrative:
I have been exposed to data breach- Please remove immediately!! 



XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/year> XXXX and Experian Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX and Experian, I am writing to formally dispute certain entries on my credit report, which I reviewed on XX/XX/year>. Upon examination, I identified several inaccuracies that require correction, as they may violate my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and 611 ( 15 U.S.C, 605 ( b ). Specifically, I am referencing Section 1681 ( e ) ( b ), which mandates that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information they report, and Section 1681 ( c-2 ) ( 5 ), which outlines the treatment of inaccurate and unverifiable information. 

The following accounts contain incomplete or inaccurate information : Account Name Account Number Balance Monthly Payment XXXX XXXX XXXX XXXX {$5900.00} '' - - - No Data '' Dispute XXXX FORMERLY XXXX XXXX {$0.00} {$0.00} CAPITAL XXXX AUTO FINANCE XXXX {$0.00} {$0.00} XXXX XXXX  XXXX XXXX {$4900.00} {$0.00} XXXX XXXX {$0.00} '' - XXXX - No Data '' Dispute XXXX XXXX XXXX XXXX {$570.00} {$41.00} XXXX XXXX  XXXX {$0.00} '' - - - No Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX {$240.00} {$40.00} Dispute XXXX XXXX XXXX XXXX {$84.00} '' - - - No Data '' Dispute XXXX XXXX XXXX {$1400.00} '' - XXXX XXXX No Data '' Dispute XXXX XXXX {$1000.00} {$75.00} ] Additionally, I am concerned that my personal information, including my Social Security number, may have been exposed due to a data breach. This situation heightens my concern regarding the accuracy and security of the information maintained in my credit report. 


DUE TO XXXX DATA BREACH- I declare under penalty of perjury under the laws of the United States if executed outside of the united state thatthe foregoing is true and correct to the best of my knowledge further I certify that I am permitted by federal and state law to fi le this dispute I alsounderstand that knowing and willful miss statements or omission of material facts constitute a federal criminal violation punishable under 18 US C1001additionally these miss statements are punishable as perjury under 18 US C1 6 to 1 the items found within my credit report that I listed on the followingpages are not related to any transaction that I made I am alleging that a person or company without my authorization use my personal identifi cationinformation to apply for goods services or money And was successful in creating some accounts all is being investigated by the FTC PLEASEREMOVE ALL NONE ACCOUNT HOLDING INQURIES FROM MY REPORT I respectfully request that you investigate these discrepancies and remove any inaccurate information from my credit report as soon as possible. Enclosed are copies of any relevant documents that support my claims.

Please respond ASAAP. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Your Claim Number : XXXX Dear XXXX XXXX : You filed a claim for more than XXXX hours of total time spent and money spent in connection with the XXXX Data Breach Settlement. 

Your claim is incomplete because you did not provide supporting documentation. If you submitted a claim for money you lost or spent, the Settlement requires documentation showing that you lost or spent the money in connection with the XXXX Data Breach. If you submitted a claim for more than 10 hours of time you spent, the Settlement also requires documentation showing that the time was spent in connection with the XXXX Data Breach. 

Please provide documentation showing unreimbursed money you lost or spent, and/or relating to the time you spent, trying to prevent or recover from fraud or identity theft caused by the XXXX Data Breach . For example, you can provide credit card statements or bank statements showing the expense or unauthorized charges and invoices from lawyers or accountants for professional fees paid to address identity theft. 

You must submit supporting documentation to complete your claim by XX/XX/year>. 

If you do not provide supporting documentation, your claim for time spent and money spent will be denied in whole or in part without further communication from the Settlement Administrator. 

The documentation must show your name, the date, where the documentation is from, what happened and how much you lost or spent. 

Written statements by you describing the money you lost or spent, or the time you spent, are not enough to support your claim except to explain other documents you submit. 

Please add your Claim Number ( provided above ) to all supporting documents you submit. Please only send copies of documents. 

To submit documentation for your claim, click here. 

You can also submit documentation by mail postmarked by XX/XX/year>. Please make sure to include your full name, mailing address, and Claim Number and mail it to : XXXX Data Breach Settlement c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX For more information about the Settlement, including more information about the types of costs and losses that can be paid back to you, what documents you need to attach, and how the Settlement Administrator decides whether to approve your payment, please visit the Settlement Website at XXXX 

This notice is from the XXXX Settlement Administrator ( XXXX XXXX XXXX ), not XXXX. Please do not contact XXXX with questions. You may contact JND by email at XXXX, by phone toll-free at XXXX, or by mail at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX

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