Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear XXXX XXXX XXXX I am writing to inform you that I am a victim of a data breach that has compromised my personal information, and I am requesting the immediate removal of all accounts affected by this breach pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 

Background and Request : According to 15 U.S.C. 1681c-2 ( a ), when a consumer is a victim of a data breach, they are entitled to request the deletion of any accounts or information resulting from this breach. This legal provision mandates the removal of affected accounts from consumer credit reports to mitigate potential fraud and identity theft. 

I request that you immediately remove the accounts affected by the data breach from my credit report. These accounts are no longer valid due to the breach, and the inclusion of such information is detrimental to my credit file. 

Affected Accounts : Please remove any and all accounts on my credit report associated with this breach, including but not limited to : XXXX XXXX XXXX XXXX According to the FCRA section XXXX it is illegal to report any information on my credit report without my permission. Please remove these negative items from my credit report. Thank you. I never authorized these companies to check my credit rating or have no knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also request that you confirm the removal of these accounts and inquiries from my credit file within XXXX  days and provide me with an updated copy of my credit report reflecting the deletions. 

Legal Basis : Under 15 U.S.C. 1681c-2 ( a ), I am requesting that these accounts be removed from my credit report immediately to reflect my status as a victim of a data breach. The inclusion of inaccurate or fraudulent information is not only damaging to my credit score but also violates my rights under the Fair Credit Reporting Act. 

Should these accounts not be deleted or should you fail to provide sufficient documentation to prove their accuracy, I will pursue further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse under 15 U.S.C. 1681n and 15 U.S.C. 1681o. 

I appreciate your immediate attention to this matter and look forward to your confirmation of the account removals. 

SincerelyXXXX XXXX XXXX XXXXXXXX XXXX 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