Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX Subject : Complaint Regarding Fraud, Privacy Violations, and Non-Compliance To Whom It May Concern, I am writing to formally address serious concerns regarding XXXX  handling of my personal information, violations of privacy, and apparent failure to comply with federal and state data protection laws. As a consumer whose data you collect, store, and process, I am deeply concerned about the security, accuracy, and integrity of my personal information. 

Details of the Issue Fraudulent Activity : I have recently discovered unauthorized activity that appears linked to a breach of my personal data. I believe this issue may stem from XXXX inability to adequately protect sensitive consumer information, as evidenced by the 2017 data breach and any subsequent vulnerabilities. 

Privacy Violations : XXXX has a legal and ethical obligation to safeguard my personal data under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Your failure to implement robust data protection measures has resulted in an erosion of trust and a direct violation of my privacy rights. 

Non-Compliance with Data Protection Standards : Federal and state regulations require timely notification of breaches, accuracy of credit reports, and adherence to security best practices. Based on my experience, XXXX has not fulfilled these obligations, resulting in harm to consumers like me. 

Request for Resolution To address this matter, I respectfully request that XXXX : Conduct a thorough investigation into the fraudulent activity associated with my information and provide me with a detailed report of your findings. 

Correct any inaccuracies in my credit report resulting from the unauthorized activity. 

Implement stronger safeguards to ensure the confidentiality, integrity, and availability of consumer data. 

Provide me with a formal response within 30 days detailing the actions taken to resolve my concerns. 

Offer free credit monitoring and identity theft protection services for a minimum of two years to mitigate the potential long-term effects of this issue. 

Legal Obligations XXXX  actionsor lack thereofmay constitute violations of the following : Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : Ensures the accuracy, fairness, and privacy of consumer information. 

State Data Protection Laws : Including but not limited to breach notification statutes.

Failure to address my concerns promptly may result in my filing a formal complaint with the Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ) or initiating legal action to protect my rights. 

I trust that you will treat this matter with the urgency and seriousness it deserves. Please direct your response to the contact information provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, By : XXXX XXXX XXXX, Beneficiary/Agent-ARR, without prejudice

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