Consumer complaint received 2024-08-16 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: MI

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 15 USC 1681c-2 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 four business days of receiving a complaint that includes the following information : XXXX XXXX - XXXX - " You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), 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 's OfficeXXXX 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 Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), 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 's Office, 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 Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), 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 's Office, 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 Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), 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 's Office, XXXX XXXX XXXX XXXX and the Federal Trade Commission. Your immediate attention to this matter is expected. '' XXXXXXXX XXXX XXXX - XXXX - " You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), 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 's Office, 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 Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), 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 's Office, 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 Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), 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 's OfficeXXXX 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 Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), 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 's Office, 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 Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), 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 's OfficeXXXX 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 Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), 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 's Office, 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 Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), 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 's Office, 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 Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), 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 's Office, 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 Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), 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 's Office, XXXX XXXX XXXX XXXX and the Federal Trade Commission. Your immediate attention to this matter is expected. '' XXXXXXXX XXXX XXXX XXXX  XXXX - " You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), 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 's Office, 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 Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), 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 's OfficeXXXX 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 Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), 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 's Office, XXXX XXXX XXXX XXXX, and the Federal Trade Commission. Your immediate attention to this matter is expected. '' Bankruptcy - XXXX - The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with Metro 2 credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX - XX/XX/XXXX - XXXX already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove them from reporting on my credit report XXXX  XXXX XXXX - XX/XX/XXXX - I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove them from reporting on my credit report P XXXX XXXX XXXX XXXX  - XX/XX/XXXX - I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove them from reporting on my credit report XXXX XXXX XXXX - XX/XX/XXXX - I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove them from reporting on my credit report XXXX XXXX XX/XX/XXXX - I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove them from reporting on my credit report XXXX XXXX XXXX XX/XX/XXXX - I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove them from reporting on my credit report XXXX XXXX XXXX XXXX - XX/XX/XXXX - I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove them from reporting on my credit report XXXX XXXX XXXX XXXX - XX/XX/XXXX - I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove them from reporting on my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX - I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove them from reporting on my credit report XXXX XXXX  - XX/XX/XXXX - I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove them from reporting on my credit report XXXX XXXX  - XX/XX/XXXX - I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove them from reporting on my credit report XXXX - XX/XX/XXXX - I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove them from reporting on my credit report XXXX - XX/XX/XXXX - I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove them from reporting on my credit report XXXX XXXX - XX/XX/XXXX - I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove them from reporting on my credit report XXXX  - XX/XX/XXXX - I already stated that this is unknown to me. I also know that the FCRA states that the only purpose for pulling someones credit report is : a firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove them from reporting on my credit 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