Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Due to data breach, I believe my personal information may have been compromised and used to incur debt fraudulently. I have called and written to the below listed companies in an effort to notify to resolve the issue all to no avail. At this point I will want to assert my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., which protects consumers like me from abusive debt collection practices. Specifically, if the debt resulted from identity theft, I am not liable and owe no debt to the below listed companies. 

Debt Information : 1. Company Name : XXXX XXXX XXXX  XXXX XXXX Amount : {$300.00} Date : XX/XX/XXXX Status : Placed for Collection XXXX. Company Name : XXXX XXXX XXXXXXXX XXXX XXXX : {$370.00} Date : XX/XX/XXXX Status : Placed for Collection XXXX. Company Name : XXXX XXXX XXXX XXXX {$170.00} Date : XXXX, XXXX Status : Placed for Collection XXXX. XXXX XXXX : XXXX XXXX Amount : {$0.00} Status : Closed XXXX. Company Name : XXXXXXXX XXXX  Amount : {$520.00} Date : XXXX, XXXX Status : Placed for Collection XXXX. Company Name : XXXX XXXX XXXX XXXX Amount : {$320.00} Date : XXXX, XXXX Status : Placed for Collection XXXX. Company Name : XXXX XXXX XXXXXXXX XXXX Amount : {$1100.00} Date : XXXX, XXXX Status : Placed for Collection XXXX. Company Name : XXXX XXXX XXXX Amount : {$100.00} Date : XXXX, XXXX Status : Placed for Collection XXXX. Company Name : XXXX XXXX Amount : {$170.00} Date : XXXX, XXXX Status : Placed for Collection 10. Company Name : XXXX Amount : {$15000.00} Date : XX/XX/XXXX Status : Charged off 11. Company Name XXXX XXXX  Amount : {$1000.00} Date : XXXX, XXXX Status : Placed for Collection Hard Inquiries : 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 XXXXXXXX {$2800.00} XXXX XX/XX/XXXX {$520.00} - XX/XX/XXXX {$1400.00} - XX/XX/XXXX {$2400.00} - XX/XX/XXXX {$2800.00} - XX/XX/XXXX {$1500.00} - XX/XX/XXXX {$2800.00} - XX/XX/XXXX {$11000.00} - XX/XX/XXXX {$10000.00} - XX/XX/XXXX {$10000.00} - XX/XX/XXXX {$7400.00} - XX/XX/XXXX {$20000.00} - XX/XX/XXXX $ Furthermore, ( the above company 's ) actions may violate my consumer rights to privacy under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. Specifically : 15 USC 1681b which governs permissible purposes of consumer reports. ( The above listed companies ) are reporting information about me to credit bureaus or other third parties without a permissible purpose ( such as for a credit transaction I did not initiate ), they may be in violation of this section. 

15 USC 1681e requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Especially If ( the company ) is reporting inaccurate information due to the data breach. The above company 's may be in violation of this section.

15 USC 1681s-2 outlines the responsibilities of furnishers of information to consumer reporting agencies. It therefore requires furnishers to have reasonable procedures to ensure the accuracy of the information they provide and to investigate consumer disputes. If the company is furnishing inaccurate information or failing to properly investigate disputes related to the data breach, they may be in violation of this section.

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