Consumer complaint received 2024-08-30 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: NY

Complaint narrative:
To Whom It May Concern, This letter serves as a formal demand for immediate and thorough action regarding the fraudulent items that remain on my credit report, despite my previous notifications to your agency concerning my status as a victim of a data breach and identity theft. I have already filed a report with the Federal Trade Commission, and a copy is enclosed for your reference. Under 15 U.S.C. 1681i ( 7 ), I am entitled to a complete and detailed account of the steps your agency has taken to verify the accuracy of the disputed items on my credit report. Specifically, I request a detailed description of the reinvestigation procedure used, including : 1. The business name, address, and telephone number of any furnisher of information contacted.

2. The name of the person with whom you verified the disputed information.

3. The specific documentation you received and used to validate the accuracy of the information.

4. A comprehensive outline of the procedures your company has in place to ensure each account is 100 % accurate. 
You are required to provide this information to me within 15 days of receiving this request. Failure to do so will constitute a violation of 15 U.S.C. 1681n and 15 U.S.C. 1681o, for which your agency will be held legally liable. 

Despite my previous demands to block and remove the fraudulent items from my credit report, the following items remain : XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX - XXXX My information was compromised in the XXXX XXXX breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX XXXX XXXX  My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX XXXX XXXXXXXX My information was compromised in the XXXX XXXX breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX XXXX My information was compromised in the XXXX data XXXX, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX XXXX  My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. 

XXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities. 

XXXX - XX/XX/year> - Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. 

XXXX XXXX XXXX XXXX  - Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. 

XXXX - XXXX - Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my 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