Consumer complaint received 2025-01-03 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: GA

Complaint narrative:
Subject : Report of Data Breach, Unauthorized Access, Unauthorized Charges, and Identity Theft Under 15 USC 1681 ( Fair Credit Reporting Act ) and the Right to Privacy To Whom It May Concern, I am writing to formally report the serious consequences of a recent data breach that has led to significant disruption in my life. My personal and credit information was exposed due to unauthorized access, resulting in unauthorized charges, identity theft, and a direct violation of my rights under 15 USC 1681 ( Fair Credit Reporting Act ) and my Right to Privacy under applicable laws.

Details of the Incident : On XXXX XXXX XXXX, I was informed that my personal information, including my credit report, Social Security number, financial account details, and other private data, were compromised as a result of a breach. 
The breach occurred due to unauthorized access to my sensitive information by an unknown party. 

As a result of this breach, I have experienced unauthorized charges on my accounts, which includes Experian with the inconsistency, compared to XXXX, XXXX and identity theft has occurred, causing significant financial and emotional distressed Additionally, all negative items on my credit report have been updated and impacted due to this breach, further complicating the situation. These changes, which are a direct result of the breach, have led to the reporting of incorrect and harmful information on my credit file, in direct violation of 15 USC 1681i, which outlines the requirement for accurate and timely reporting of information on consumer credit reports.

15 USC 1681i mandates that any information disputed or found to be inaccurate must be promptly corrected or removed from my credit report. In this case, the breach has resulted in the unauthorized alteration of my credit file, causing negative items to be inaccurately updated as a consequence of the exposure of my data, which is clearly a violation of this regulation. 

Actions Requested : 1. Immediate Investigation : A thorough investigation into how my personal data was accessed without authorization, the extent of the unauthorized charges, and the measures taken to prevent further harm.

2. Correction of Credit Report : Immediate action to correct any inaccuracies in my credit file that have been updated due to the breach. This includes removing any negative items or incorrect entries that were falsely reported after the breach.

3. Restoration of Financial Standing : Assistance in restoring my financial standing and ensuring that any unauthorized charges are removed from my accounts.

4. Credit Monitoring : Provision of credit monitoring services to protect my personal information and to help identify and prevent further misuse of my data.

5. Identity Theft Resolution : Assistance in resolving the identity theft issues caused by this breach, including providing a report and resolving any fraudulent accounts opened in my name.

6. Compensation : Compensation for the financial damage caused by the unauthorized charges, identity theft, loss of credit, and violations of my rights under the Fair Credit Reporting Act.

I am also submitting this complaint to the Federal Trade Commission ( FTC ) for their records and further investigation into any violations of my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and related privacy laws.

Please acknowledge receipt of this report and provide me with a clear timeline for your investigation and any actions you will take to resolve this matter. 

Thank you for your prompt attention to this serious issue. I trust that you will take the necessary actions to protect my rights under the Fair Credit Reporting Act and my Right to Privacy. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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