Consumer complaint received 2024-09-17 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: MN

Complaint narrative:
To Whom It May Concern, This letter serves as an official and urgent demand for immediate correction of the blatant inaccuracies in my consumer credit report, which I lawfully obtained under the Fair Credit Reporting Act ( FCRA ). Your continued incompetence and failure to abide by the explicit legal standards outlined in the FCRA is not only unacceptable but also a direct violation of my rights as a consumer. The FCRA mandates, in no uncertain terms, that all information within a consumer credit report must be 100 % accurate, verifiable, complete, and timely. I will not tolerate anything less than full adherence to these legal obligations99.9 % accuracy or verification is not acceptable. I expect immediate proof that the information you have reported is in full compliance with federal law. Anything short of absolute accuracy and legality will result in further escalation, without hesitation. Listed below are the specific tradelines that are erroneous and defamatory. I expect not just a review, but an immediate correction of these items. Your failure to do so is a reckless disregard of your legal responsibilities and will not be taken lightly. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

XXXX XXXX XXXX XXXXXXXX There is no issue with this account, yet you are reporting it negatively. This is an unacceptable mistake that reflects gross negligence. Correct this immediately, or face legal consequences. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

The following challenged information is among such allegations of which each and XXXX requires immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now, and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. 

Listed below are the Inquiries that are being challenged : EXPERIAN XXXX XXXX - XXXX 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? ), 15 U.S.C. 1681, et seq. Under the FCRA,? 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 conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! 

XXXX XXXX  - XXXX 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? ), XXXX XXXX. XXXX, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title XXXX, imprisoned for not more than 2 years, or both.? XXXX XXXX. XXXX. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! 

XXXX XXXX XXXX XXXXXXXX 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? ), XXXX XXXX. XXXX, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title XXXX, imprisoned for not more than 2 years, or both.? XXXX XXXX. XXXX. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! 

XXXX - XXXX 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? ), XXXX XXXX. XXXX, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title XXXX, imprisoned for not more than 2 years, or both.? XXXX XXXX. XXXX. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! 

XXXX XXXX XXXX - XXXX 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? ), XXXX XXXX. XXXX, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title XXXX, imprisoned for not more than 2 years, or both.? XXXX XXXX. XXXX. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! 

XXXX FED C - XXXX 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? ), XXXX XXXX. XXXX, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title XXXX, imprisoned for not more than 2 years, or both.? XXXX XXXX. XXXX. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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? ), XXXX XXXX. XXXX, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title XXXX, imprisoned for not more than 2 years, or both.? XXXX XXXX. XXXX. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE 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