Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Subject : Complaint Regarding XXXX Data Breach Settlement, FCRA Violations, and Credit Reporting Inaccuracies To Whom It May Concern, I am submitting this formal complaint regarding the unresolved impact of the XXXX XXXX Data Breach on my credit report, as well as ongoing violations of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX, Experian, and XXXX. 

Confirmation of Impact According to XXXX, my personal information was included in the XXXX XXXX XXXX XXXX, and I have been informed that I qualify for the settlement ( Engagement Number : XXXX ). Despite this confirmation, I have faced numerous challenges in obtaining my entitled settlement benefits and correcting the significant harm caused to my credit report. 

Additionally, on XX/XX/XXXX, I spoke with an XXXX representative who denied me from filing my settlement claim, stating it was too late, even though publicly available information indicates that the extended claims period does not close until XX/XX/XXXX. This discrepancy has further delayed my ability to resolve this matter, and I urgently request assistance from the CFPB. 

Inaccuracies on My Credit Report The XXXX breach appears to have directly resulted in the following issues on my credit report : 1. Erroneous Addresses : My credit report lists multiple addresses that I have never lived at, nor do I recognize.

2. Unverified Entries : These addresses are being reported as mine, despite my repeated disputes.

3. Access Denial : When I attempt to dispute these inaccuracies, I am denied access, being told my correct personal information does not match their records.

These inaccuracies have damaged my credit standing and indicate a mishandling of my personal information following the breach. Additionally, XXXX, Experian, and XXXX continue to violate my rights under the FCRA by failing to investigate and correct these inaccuracies, despite my repeated efforts to resolve them. 

FCRA Violations XXXX, Experian, and XXXX have failed to uphold their obligations under the FCRA, including : Maintaining Accurate Records : False and unverifiable information continues to appear on my reports. 
Resolving Disputes : My disputes regarding erroneous addresses and entries have not been investigated or corrected as required by law. 

These ongoing violations not only harm my credit but also create unnecessary obstacles in my attempts to protect and rebuild my financial standing. 

Harm and Requested Relief As a result of these violations and the data breach, I have suffered : Denial of credit and financial opportunities.

Damage to my credit standing.

Emotional distress caused by the difficulty in resolving these issues.

I request the CFPB to : 1. Investigate XXXX, Experian, and XXXX for mishandling my credit information and failing to investigate disputes. 
XXXX. Ensure that XXXX processes my settlement claim and provides the compensation I am entitled to before the XX/XX/XXXX deadline. 
3. Require the immediate and permanent removal of all false and inaccurate information from my credit reports.

4. Hold XXXX accountable for their role in exposing my personal information and the subsequent violations of my FCRA rights. 

Contact Information Please contact me at XXXX to provide updates on this matter. 

Thank you for your attention to this matter. I look forward to your assistance in resolving these issues and ensuring my rights are protected.

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