Consumer complaint received 2024-08-02 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: FL

Complaint narrative:
I am writing to report a data breach engaged # XXXX. that has affected me and potentially compromised my personal information. I recently discovered that my data was exposed in the XXXX data breach, which has led to incorrect/ unknown payment history in my report to support negative late payments being reported on my credit report. 

These consumer reporting agencies including the creditor have violated the FCRA reporting Act, failed to conduct a reasonable investigation, since I begin disputing the inaccuracy in the account since XX/XX/year>. I repeatedly requested proof of the schedule payment amounts from XX/XX/year> to XX/XX/year>, the dispute results are always verified and accurate while the credit card statement clearly do not have the schedule payment amounts that are in my credit report. The information does not belong to me, I do not recognize these schedule payment amounts that leaded to these late payment. Therefore all these negatives items need to be removed. 

According to the law these negative late payments need to be deleted as the schedule payment amounts appearing to be fraudulent, unverifiable according to the credit card account statements. 
I requested verification of the exact schedule payment amounts that being reported to my credit report from XX/XX/year> to XX/XX/year> and the reason of verified the fraudulent information as accurate. 


Account with XXXX XXXX XXXX XXXX, payment history showing late payments with XXXX that inaccurate and the schedule payment amounts are not in the credit card statement provided by the creditor. I have no knowledge of 60 days and 90days late payments XXXX reporting and the amount of the schedule payments among all the bureaus during the time of these late payments reported. I have no knowledge and do not recognize the schedule payment amount in my report history to support these late payment and its clearly doesnt belong to me and should not be in my account. 
I request removal of all negative items in the account with XXXX XXXX XXXX XXXX XXXX I Do not recognize the scheduled payment amount during the time of these late payments supporting the late payments in my credit report please remove these late payment or delete these negative items its doesnt belong to me. 

According to XXXX an information that reported in your credit reports you do not recognize are considered as fraudulent and identity theft. 
I do not recognized 60 to 90days late payments and the schedule payment amounts reported to experian, XXXX and XXXX. I request removal of the late payments. 

I am deeply concerned about the impact this breach has had on my financial reputation and credit score, I have been denied a mortgage due to the inaccuracy in my report. 
I have taken steps to monitor my credit report regularly and have already begun disputing the inaccuracies with the credit reporting agencies and the agencies certain the reporting information are accurate while they can not provide proof the schedule payment amount to match the credit card statement with XXXX XXXX XXXX XXXX XXXX and the days of the late payments are not matching across the bureaus. account go to 60days late from current. However, I believe it is important to bring this matter to your attention and request your assistance in resolving this issue. 

These consumer reporting agencies including the creditor have violated the FCRA reporting Act, failed to conduct a reasonable investigation.

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