Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AR XXXX XXXX : XX/XX/XXXX SSN : XXXX ( I am responding as my own representative... This is not a letter from an attorney ( yet ) nor is it a letter from a Credit Repair Agency ) ... I am acting alone on my own accord and legal rights according to the XXXX. 

To : XXXX, XXXX & Experian Experian Report # XXXX XXXX XXXX # XXXX XXXX File # XXXX RE : Requesting you Block and Remove Fraud from My Consumer Report I am writing to inform you of a serious situation involving the compromise of my Social Security number, which has led to both an Experian data breach and identity theft. I have already reported this to the Federal Trade Commission and filed a report, which is referenced as FTC report number attached, and included with this letter. 

In accordance with 15 USC 1681c-2 ( c ) ( a ), it is imperative that you, ( XXXX, XXXX & Experian as a credit reporting agency and/or bureau, take immediate action to block and remove all information related to this identity theft from my credit report. 

This statute requires credit reporting agencies to address such requests promptly, within four business days of receiving a complaint containing the following information : Collection Names : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 


I want to underscore the gravity of this issue and my expectation for a swift and effective resolution. Should your response be inadequate, such as a refusal to cooperate by blocking and removing the above accounts within 4 days, I will be forced to pursue legal action against your agency, as allowed by law. 

Please be aware that I will seek damages, including statutory costs, with each violation carrying a statutory fee of {$1000.00}, as specified in 15 USC.

These violations include : -Defamation of Character - Negligent Enhancement of Identity Fraud - Violations of the Fair Credit Reporting Act - Non-compliance with 15 U.S. Code 1681o ( Civil liability for negligent non-compliance ) - Non-compliance with 15 U.S. Code 1681n ( b ) ( Civil liability for willful non-compliance ) -Failing to comply with 15 USC 1692 ( g ) - Violations of 15 U.S. Code 1681b ( Permissible purposes of consumer reports ) - Non-compliance with 15 U.S.C. 1681i ( 7 ) ( Method of verification ) - Violations of 15 USC 1681a ( 4 ) ( Right to privacy ) -Violations of 15 U.S. Code 1681c ( Requirements relating to information contained in consumer reports ) I am treating this matter with the utmost seriousness and request that you promptly block and remove the fraudulent accounts from my credit report. 

I have already provided all necessary information to facilitate this process. Please confirm receipt of this letter and provide a timeline for resolving this issue. Your prompt attention to this matter is greatly appreciated. 

You may respond via my email @ ( XXXX ) or by mail @ XXXX XXXX XXXX, XXXX XXXX, AR XXXX Best wishes, 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