Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Re : Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification To Whom It May Concern, As a consumer, I insist on being fully informed of the meticulous measures your agency undertook to ensure the absolute accuracy of these items by 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. Per the mandate under paragraph 15 USC ( 6 ) ( B ) ( iii ), it is imperative that a consumer reporting agency furnishes the consumer with a detailed account of the assessment process employed to ascertain the correctness and entirety of the information. This account should include the name and address of any information provider consulted regarding said information, along with their contact number, if reasonably ascertainable. This account must be provided to the consumer within 15 days from the receipt of the consumer 's request for such elucidation. I have previously notified your establishment of my status as a victim of Data Breach/ Identity Theft, and have also lodged a report with the Federal Trade Commission XXXX a copy of which is enclosed herewith. I have STRONGLY DEMANDED that all information about me be promptly blocked and expunged from my credit report, with an updated version thereof to be immediately furnished to me. However, much to my dismay, said items continue to feature on my credit report. I implore you to address this grave oversight as soon as possible. Furthermore, it is imperative to note that as per 15 USC 1681c-2 c ( a ), the credit reporting agency is mandated to block and erase any information alleged to be associated with identity theft within 4 business days of receiving a formal complaint, including the details provided herewith. Additionally, I request the transmission of the particulars used to corroborate the validity of the invalidated items mentioned below. I previously contacted your company to inform you that I am a victim of a Data Breach/ Identity Theft. I also contacted the Federal Trade Commission and filed an FTC Report which is attached. I DEMANDED to please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, 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. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX XXXX XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX XXXX XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX  - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX XXXX  - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Aren't you required to complete these investigations within 30 days of receipt? I have heard of companies pulling people 's credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : XXXX - XX/XX/year> Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX - XX/XX/year> Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX - XX/XX/year> Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX - XX/XX/year> Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX - XX/XX/year> Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report.

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