Consumer complaint received 2024-09-20 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: IL

Complaint narrative:
To Whom It May Concern, As a disgruntled consumer, I demand to be made aware of the meticulous measures your establishment undertook to ensure the utmost accuracy of these items in compliance with 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure. A consumer reporting agency must furnish a thorough description as referenced in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notification that, upon the consumer 's request, an account of the process employed to ascertain the precision and integrity of the data must be disclosed to the consumer by the agency. This account should encompass the entity name and location of any data provider contacted regarding said information, alongside the pertinent contact number of said entity, if reasonably accessible ; to be dispensed within 15 days upon receipt of such request from the consumer. Previously, I engaged with your establishment to alert you of my identity being compromised due to a Data Breach/ Identity Theft incident. Simultaneously, I reached out to the Federal Trade Commission and submitted an FTC Report, which is enclosed herewith. I INSIST that all data about me be expeditiously expunged from my credit report and an updated version thereof be promptly dispatched to me. Regrettably, the items outlined below persist on my credit report, necessitating your urgent attention to rectify this egregious oversight. Furthermore, by 15 USC 1681c-2 c ( a ), the credit reporting agency is mandated to delete and eradicate any contested information believed to be associated with identity theft within 4 business days following the receipt of a formal complaint inclusive of the details provided below. Moreover, kindly furnish the following particulars utilized to authenticate the veracity of the invalidated items listed below : I previously contacted your company to inform you that I am a victim of a Data Breach/ Identity Theft. I also contacted the Federal Trade Commission and filed an FTC Report which is attached. I DEMANDED to please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed on this payment history. Else, DELETE this account immediately!

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