Consumer complaint received 2024-10-01 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: CA

Complaint narrative:
To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were XXXX XXXX accurate under 15 U.S.C. 1681i ( XXXX ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( XXXX ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than XXXX  days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, XXXX XXXX XXXX XXXX c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXXXXXX In compliance with 15 U.S. Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. This is clear proof that this item is reporting XXXX across all the displayed bureaus, an infraction of compliance! DELETE at once! 

XXXX XXXX XXXX XXXX  Please send me the docs that prove that I was ever late. If you cant prove that you had proof, you need to remove these late remarks. 

XXXX XXXX XXXX - XXXX My data was affected by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC. 

XXXX - XXXX My data was affected by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC. 

XXXX XXXX XXXX XXXX XXXX My data was affected by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC. 

XXXX XXXX XXXXXXXX My data was affected by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. These claims remain unproven and undocumented, so they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC. 

XXXX XXXX XXXX XXXXXXXX My data was affected by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. These claims remain unproven and undocumented, so they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC. 

XXXX XXXX XXXXXXXX My data was affected by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. These claims remain unproven and undocumented, so they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC. 

XXXX XXXX XXXX - XXXX My data was affected by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. These claims remain unproven and undocumented, so they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC. 

XXXX XXXX - XXXX My data was affected by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. These claims remain unproven and undocumented, so they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC. 

XXXX XXXX XXXX - XXXX My data was affected by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. These claims remain unproven and undocumented, so they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC. 

XXXX XXXX XXXX XXXX - XXXX My data was affected by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. These claims remain unproven and undocumented, so they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC. 

XXXX XXXX XXXX XXXX XXXX My data was affected by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. These claims remain unproven and undocumented, so they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC. 

XXXX XXXX XXXX  My data was affected by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. These claims remain unproven and undocumented, so they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC. 

XXXX XXXX - XXXX My data was affected by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. These claims remain unproven and undocumented, so they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC.

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