Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX - Account XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX - Account NumberXXXX Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove these late remarks XXXX - Account Number:XXXX Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove these late remarks XXXX - Account Number:XXXX Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove these late remarks XXXX - Account Number:XXXX Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove these late remarks XXXX XXXX XXXX Account NumberXXXX " This is a violation of 15 U.S. CODE 1666B . Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX Account XXXX " This is a violation of 15 U.S. CODE 1666B . Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. '' XXXX XXXX. XXXX XXXXXXXX XXXX Account NumberXXXX " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. 'XXXX XXXX XXXX XXXX XXXX Account NumberXXXX " This is a violation of 15 U.S. CODE 1666B . Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. '' XXXX Account XXXX " This is a violation of XXXX U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. '' XXXX Account XXXX Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove these late remarks XXXX Account XXXX Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove these late remarks XXXX XXXX XXXX XXXX  Account XXXX Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove these late remarks XXXX Account XXXX Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove these late remarks XXXX Account XXXX Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove these late remarks XXXX XXXX Account 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.

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