Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXX/XX/XXXXXXXX, IA XXXX Subject : Reporting Inaccurate Information by Credit Reporting Agencies Complaint Regarding Violation of 15 U.S.C . 1681 Data Breach and Improper Handling of Consumer Data/ Request for Deletion of Derogatory Items from Credit Report Dear CFPB, I am writing to formally report my concerns regarding inaccurate information being reported by Experian , Equifax and Transunion on my credit report. My name is XXXX XXXX, and the last 4 digits of my Social Security Number is XXXX is for verification purposes. 

After pulling my credit report I discovered several inaccurate items that appeared on my report. Under Section 609 of the FCRA, I have the right to request verification of any derogatory information on my credit report. I request that you provide me with necessary documentation to verify these items. If you are unable to provide this documentation, I ask that you remove these entries from my credit report. 

Summary of Violation 1. Data Breach Incident : On or around XX/XX/XXXX of Data Breach, Equifax suffered a data breach that resulted in the exposure of sensitive personal information of billions of individuals, including my as Social Security Number was leaked on the dark web and other private information. Also, XXXX XXXX XXXX a background company leaked XXXX XXXX personal/private data including mine. 
2. Failure to Protect Data : The companies failed to implement reasonable safeguards and measures to protect consumer data, in violation of its obligations under the FCRA to ensure accurate and secure handling of consumer information.

3. Derogatory Items on My Credit Report : As a result of this breach, I have noticed the following unauthorized or incorrect derogatory items on my credit report : The derogatory items I am disputing are as follows : The Credit Bureaus are still reporting inaccurate information.

Date of Birth Experian Equifax Transunion XXXX XX/XX/XXXX XX/XX/XXXX Only have ONE ADDRESS = c/o XXXX XX/XX/XXXX XXXX XXXX XXXX on Georgia ; near [ XXXX ] ADDRESSES Experian Equifax Transunion XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, GA XXXX The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT, to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! Alleging Creditors and Accounts are reported on my consumer report : Inaccurate Account Reporting! 
XXXX XXXX NOT MINE/UNIVERIFIED Inaccurate Account Reporting Date Open : Experian Equifax Transunion XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : Experian Equifax Transunion XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : Experian Equifax Transunion XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX DEPTEDXX/XX/XXXX XXXX NOT MINE/UNIVERIFIED Inaccurate Account Reporting Date Open : Experian Equifax Transunion XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Reported : Experian Equifax Transunion XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : Experian Equifax Transunion XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX DEPTEDXX/XX/XXXXXXXX NOT MINE/UNIVERIFIED Inaccurate Account Reporting Date Open : Experian Equifax Transunion XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Reported XXXX Experian Equifax Transunion XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active XXXX Experian Equifax Transunion XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX Inaccurate Account Reporting Account number : Experian Equifax Transunion XXXX XXXX XXXX Date Open : Experian Equifax Transunion XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Reported : Experian Equifax Transunion XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : Experian Equifax Transunion XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX UNAUTHORIZED, UNKNOWN, and UNRECOGIZED XXXX Delete these unconfirmed inquiries lacking certifiable evidence unless physically certified verified proof is demonstrated per 15 USC 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) This notice is to inform you are unlawfully reporting inquiry on my consumer report. I have not given you given you permission to access my credit profile and you no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identify Theft pursuant to 18 USC 1028A. You have knowingly transferred, possessed, or used, without lawfully authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 USC 1681b ( a ) 3 ( f ) ( i ). 

Company ( XXXX ) Date/CRA NOT AUTHORIZED BY ME ( XXXX ) XXXX XX/XX/XXXX EXPERIAN XXXX I have already taken steps to resolve this issue directly with the credit with the CRAs and I noticed that it contains inaccurate information regarding all my accounts such as disputing the information online, calling customer service, unfortunately, the inaccurate remains on my report. 

This inaccurate reporting is affecting my credit score and my ability to obtain credit, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ). I am requesting your assisting in addressing this matter. Specially, I would like to know what actions the CFPB can take to ensure that my rights are protected, and that the inaccurate corrected. 

Thank you for your attention to this important matter. I look forward to your prompt response. 

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