Consumer complaint received 2024-08-16 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: IN

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 XXXX XXXX XXXX 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 XXXX business days of receiving a complaint that includes the following information : XXXX - XXXX - " You have violated the United States XXXX XXXX XXXX XXXX Code XXXX, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( XXXX ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. 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 BureauXXXX XXXX XXXX XXXX XXXX  XXXX, the XXXX XXXX XXXX, and the Federal Trade Commission. Your immediate attention to this matter is expected. '' XXXX XXXX - XXXX - " You have violated the United States XXXX XXXX XXXX XXXX Code XXXX, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( XXXX ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. 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 XXXX XXXX  XXXX XXXX, the XXXX XXXX XXXX, and the Federal Trade Commission. Your immediate attention to this matter is expected. '' XXXX XXXX XXXX - " You have violated the United States XXXX XXXX XXXX XXXX Code XXXX, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( XXXX ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. 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, tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Federal Trade Commission. Your immediate attention to this matter is expected. '' XXXX - XXXX - " You have violated the United States XXXX XXXX XXXX XXXX Code XXXX, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( XXXX ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the Federal Trade Commission. Your immediate attention to this matter is expected. '' XXXX XXXX - XXXX " You have violated the United States XXXX XXXX XXXX XXXX Code XXXX, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( XXXX ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Federal Trade Commission. Your immediate attention to this matter is expected. '' XXXX XXXX XXXX  XXXX " You have violated the United States XXXX XXXX XXXX XXXX Code XXXX, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( XXXX ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. 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 XXXX XXXX, the Better Business Bureau, and the Federal Trade Commission. Your immediate attention to this matter is expected. '' The items below should all be removed from my consumer report under XXXX XXXX Code XXXX ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). 

XXXX - XX/XX/XXXX - XXXX have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you cant provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. XXXX XXXX. XXXX : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX - XX/XX/XXXX - XXXX have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you cant provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. XXXX XXXX. XXXX : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX - XX/XX/XXXX - XXXX have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you cant provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. XXXX XXXX. XXXX : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX - XX/XX/XXXX - XXXX have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you cant provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. XXXX XXXX. XXXX : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX XXXX - XX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you cant provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. XXXX XXXX. XXXX : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX - XX/XX/XXXX - XXXX have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you cant provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. XXXX XXXX. XXXX : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX CREDIT - XX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you cant provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. XXXX XXXX. XXXX : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX CARD - XX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you cant provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. XXXX XXXX. XXXX : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX CREDIT - XX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you cant provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. XXXX XXXX. XXXX : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now!

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 non-monetary relief