Consumer complaint received 2024-08-09 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: LA

Complaint narrative:
To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, 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. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXXXXXX XXXX XXXX XXXX - You violated 15 U.S. Code 1681b regarding permissible purposes of consumer reports. I never gave written consent for any information to be reported. By law, you must delete these accounts immediately, or I will pursue monetary damages in small claims court. This matter has also been reported to the CFPB, Attorney General 's Office, XXXX, and FTC. 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 XXXXXXXX - You violated XXXX5 U.S. Code 1681b regarding permissible purposes of consumer reports. I never gave written consent for any information to be reported. By law, you must delete these accounts immediately, or I will pursue monetary damages in small claims court. This matter has also been reported to the CFPB, Attorney General 's Office, XXXX, and FTC. 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. '' INQUIRY XXXX XXXX  - XX/XX/XXXX - How many times have I written to y'all before you take off this unauthorized hard pull from my credit report? This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP! 

INQUIRY XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - How many times have I written to y'all before you take off this unauthorized hard pull from my credit report? This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP! 

INQUIRY XXXX  - XX/XX/XXXX - How many times have I written to y'all before you take off this unauthorized hard pull from my credit report? This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP! 

INQUIRY XXXX  - XX/XX/XXXX - How many times have I written to y'all before you take off this unauthorized hard pull from my credit report? This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP!

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