Consumer complaint received 2024-09-12 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: MN

Complaint narrative:
To Whom It May Concern, This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report. These reports were lawfully obtained by me, through the declaration of the rights granted to consumers under the Fair Credit Reporting Act. The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the allowable reporting periods as detailed in the Act for the specific item as it appears. Please provide proof that the information as contained on the reported tradeline is 100 % Accurate, Complete, Verifiable, AND Timely. Please re-investigate the accusations that are detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any obligations of your reporting bar none. 

XXXX XXXX XXXX - XXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. 

XXXX XXXX XXXX - XXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. 

XXXX XXXX XXXXXXXX - XXXX According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of an unknown collection account on my credit report. Also, my personal information was impacted by the XXXX data breach, raising concerns about the accuracy and security of my credit report. I demand the immediate deletion of this unknown collection account from my credit report. 

XXXX XXXX - XXXX According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of an unknown collection account on my credit report. Also, my personal information was impacted by the XXXX data breach, raising concerns about the accuracy and security of my credit report. I demand the immediate deletion of this unknown collection account from my credit report. 

XXXX XXXX XXXX - XXXX According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of an unknown collection account on my credit report. Also, my personal information was impacted by the XXXX data breach, raising concerns about the accuracy and security of my credit report. I demand the immediate deletion of this unknown collection account from my credit report. 

XXXX XXXX XXXX - XXXX According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of an unknown collection account on my credit report. Also, my personal information was impacted by the XXXX data breach, raising concerns about the accuracy and security of my credit report. I demand the immediate deletion of this unknown collection account from my credit report. 

XXXX XXXX XXXX - XXXX According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of an unknown collection account on my credit report. Also, my personal information was impacted by the XXXX data breach, raising concerns about the accuracy and security of my credit report. I demand the immediate deletion of this unknown collection account from my credit report. 

Listed below are the Inquiries that are being challenged : XXXX XXXXXXXX XXXX XXXX - XXXX I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove from reporting on my credit report. 

XXXX XXXX XXXX - XXXX I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove me from reporting on my credit report. 

XXXX XXXX XXXX XXXXXXXX I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove me from reporting on my credit report. 

XXXX XXXX XXXX XXXXXXXX I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove me from reporting on my credit report. 

XXXX XXXX XXXX XXXX  XXXX I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove me from reporting on my credit report. 

XXXX XXXX XXXX - XXXX I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove me from reporting on my credit report. 

XXXX XXXX  - XXXX I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove me from reporting on my credit report. 

XXXX XXXX XXXX  - XXXX I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove me from reporting on my credit report. 

XXXX XXXX XXXX - XXXX I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove me from reporting on my credit report. 

XXXX XXXX XXXX XXXX - XXXX I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove me from reporting on my credit report. 

XXXX XXXX XXXX XXXX I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove me from reporting on my credit report. 

XXXX - XXXX I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove me from reporting on my credit report. 

XXXX - XXXX I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove me from reporting on my credit report. 

XXXX XXXX - XXXX I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove me from reporting on my credit report. 

XXXX - XXXX I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove me from reporting on my credit report.

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