Consumer complaint received 2024-07-24 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: ND

Complaint narrative:
To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX XXXX XXXX - XXXX - This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never late, so delete this XXXXXXXX  late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) -Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in written instructions of the consumer to whom it relates. Again, remove this XXXX and XXXX incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report. 

XXXXXXXX XXXX XXXX XXXX XXXX - 15 U.S. Code 1681e ( b ) - Compliance Procedures : According to this statute, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information. Given the XXXX data breach, it is clear that these procedures were not followed, leading to the presence of inaccurate information on my credit report. 15 U.S. Code 1681i ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Under this section, if any disputed information is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted or modified. Given the severity of this breach and its impact on my credit report, I demand the following actions be taken immediately : Correct all inaccurate personal information. Remove all unauthorized accounts. Delete all incorrect hard inquiries. Provide me with verifiable proof of any remaining disputed items within XXXX  days of your investigation. I have already submitted a formal complaint to the Federal Trade Commission ( FTC ) regarding this matter. I expect a prompt and thorough resolution to avoid further legal action. DELETE THIS FROM MY CREDIT REPORT! 

XXXX XXXX  - XX/XX/XXXX - The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX - XX/XX/XXXX - The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX - XX/XX/XXXX - The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX XXXX XXXX - XX/XX/XXXX - The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX XXXX - XX/XX/XXXX The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX  - XX/XX/XXXX The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE!

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