Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am extremely disappointed and frustrated to find out that my credit report contains numerous errors. As per the Fair Credit Reporting Act, I have the right to dispute any information that I believe to be incorrect. You must ensure the data included in my report is thoroughly documented and validated before it is shared with anyone else. It's quite alarming to think that there may have been individuals who failed to carry out their job responsibilities, leading to the dissemination of inaccurate information. I strongly challenge the reportability of the allegations within my credit report, as they are simply not true! It's unacceptable that my credit report is riddled with errors, and I can not accept or acknowledge the allegations and claims within the report as true without further evidence that meets both federal and state requirements for reporting. I urge you to remedy this situation immediately, as non-compliance with regulations and the law is never acceptable! The government is keeping a watchful eye on your actions, and you must ensure all claims are accurate and reported in the correct format, which meets both XXXX XXXX standards as well as FCRA requirements! 

Listed below are the Accounts that are being challenged : XXXX XXXX - XXXX This is my FINAL NOTICE. I've told y'all over and over that my info got messed up in that XXXX XXXX breach, and now my credit report 's got all kinds of fraudulent stuff I don't even recognize. XXXX! Y'all can't just assume these undocumented claims are valid or report like that. This was already DELETED from the other bureaus! Show me proof y'all are following the right compliance standards for this account. The FTC is on this. DELETE! 

XXXX  - XXXX This is my FINAL NOTICE. I've told y'all over and over that my info got messed up in that XXXX XXXX breach, and now my credit report 's got all kinds of fraudulent stuff I don't even recognize. UNPROVEN! Y'all can't just assume these undocumented claims are valid or report like that. This was already DELETED from the other bureaus! Show me proof y'all are following the right compliance standards for this account. The FTC is on this. DELETE! 

Listed below are the Collections that are being challenged : XXXX - XXXX This is my FINAL NOTICE. I've told y'all over and over that my info got messed up in that XXXX XXXX breach, and now my credit report 's got all kinds of fraudulent stuff I don't even recognize. UNPROVEN! Y'all can't just assume these undocumented claims are valid or report like that. This was already DELETED from the other bureaus! Show me proof y'all are following the right compliance standards for this account. The FTC is on this. DELETE! 

XXXX  - XXXX This is my FINAL NOTICE. I've told y'all over and over that my info got messed up in that XXXX XXXX breach, and now my credit report 's got all kinds of fraudulent stuff I don't even recognize. UNPROVEN! Y'all can't just assume these undocumented claims are valid or report like that. This was already DELETED from the other bureaus! Show me proof y'all are following the right compliance standards for this account. The FTC is on this. DELETE! 

XXXX - XXXX This is my FINAL NOTICE. I've told y'all over and over that my info got messed up in that XXXX data breach, and now my credit report 's got all kinds of fraudulent stuff I don't even recognize. UNPROVEN! Y'all can't just assume these undocumented claims are valid or report like that. This was already DELETED from the other bureaus! Show me proof y'all are following the right compliance standards for this account. The FTC is on this. DELETE! 

XXXX XXXX  - XXXX This is my FINAL NOTICE. I've told y'all over and over that my info got messed up in that XXXX XXXX breach, and now my credit report 's got all kinds of fraudulent stuff I don't even recognize. UNPROVEN! Y'all can't just assume these undocumented claims are valid or report like that. This was already DELETED from the other bureaus! Show me proof y'all are following the right compliance standards for this account. The FTC is on this. DELETE! 

Listed below are the Inquiries that are being challenged : XXXX - XXXX My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my 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