Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
To Whom It May Concern, I am contacting you about my social security number being compromised. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an attached FTC Report. Please block and remove all information from my credit report and send me an updated copy of the credit report. 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. 

XXXX XXXX  XXXX - " You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, the XXXX XXXX XXXX and the Federal Trade Commission. Your immediate attention to this matter is expected. '' XXXX XXXX - XXXX - " You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, the XXXX XXXX XXXX, and the Federal Trade Commission. Your immediate attention to this matter is expected. '' XXXX XXXX  XXXX - XXXX - " You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, the XXXX XXXX XXXX XXXXnd the Federal Trade Commission. Your immediate attention to this matter is expected. '' XXXX XXXX - XXXX - " You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, the XXXX XXXX XXXX, and the Federal Trade Commission. Your immediate attention to this matter is expected. '' I did not initiate any of these inquiries. If you believe otherwise, provide me with copies of my written consent. The following items must be removed from my consumer report immediately under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : XXXX XXXX XXXX  XX/XX/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 them from reporting on my credit report. 

XXXX XXXX - XX/XX/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 them from reporting on my credit report. 

XXXX - XX/XX/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 them from reporting on my credit report. 

XXXX XXXX - XX/XX/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 them from reporting on my credit report. 

XXXX XXXX - XX/XX/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 them from reporting on my credit report. 

XXXX XXXX - XX/XX/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 them from reporting on my credit report. 

XXXX XXXX XXXX  XX/XX/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 them from reporting on my credit report. 

XXXX XXXXXXXX XXXX - XX/XX/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 them from reporting on my credit report. 

XXXX XXXXXXXX - XX/XX/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 them from reporting on my credit report. 

XXXX XXXX XXXX XXXXXX/XX/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 them from reporting on my credit report. 

XXXXXXXX XXXX XXXX XXXXXX/XX/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 them from reporting on my credit report. 

XXXX XXXX - XX/XX/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 them from reporting on my credit report. 

XXXX - XX/XX/XXXX - XXXX 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 them 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