Consumer complaint received 2024-10-01 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: NY

Complaint narrative:
Dear Sir, Madam, or to whom elsewise it may concern, I regret to inform you that I am contesting any information on my credit report that lacks substantiation, in line with both the FCRA and the established Metro 2 data field reporting standard. Regrettably, I can not acknowledge or accept the allegations of delinquency and derogatoriness without proper factual documentation. I implore you to ensure that all claims are both accurate and in compliance with federal and state regulations, as it is legally mandated. Moreover, I respectfully request physical, verifiable evidence to substantiate the account 's existence and its legitimate usage. If such evidence is not provided, I earnestly ask for the removal of this account from my credit report. Furthermore, I hereby authorize you to send me physical documentation regarding your actions and any updates to my credit report. Your prompt attention to this matter is greatly appreciated. 

XXXX - XXXX In compliance with 15 U.S. Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. This is clear proof that this item is reporting XXXX across all the displayed bureaus, an infraction of compliance! DELETE at once! 

XXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX XXXXXXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX XXXX XXXXy information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX XXXX  My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX XXXX XXXX My information was compromised in the XXXX XXXX breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX  - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX XXXX  My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating.

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