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: WI

Complaint narrative:
To Whom It May Concern, This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report. I lawfully obtained these reports through the declaration of the rights granted to consumers under the Fair Credit Reporting Act. The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the allowable reporting periods as detailed in the Act for the specific item as it appears. Please provide proof that the information on the reported tradeline is 100 % Accurate, Complete, Verifiable, AND Timely. Please re-investigate the accusations detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any obligations of your reporting bar none. 

XXXX XXXX XXXX XXXXXXXX " Accounting Error! How can there be a " Past Due- 30 Days Count '' when it clearly shows all " OK '' in the payment history? You are contradicting your claim. This is a violation and must be removed! Correct this at once! Also, By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. '' XXXX XXXX - XXXX " Accounting Error! How can there be a " Past Due- 30 Days Count '' when it clearly shows all " OK '' in the payment history? You are contradicting your claim. This is a violation and must be removed! Correct this at once! Also, By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 'XXXX XXXX XXXX XXXX XXXX XXXX XXXX " Accounting Error! How can there be a " Past Due- 30 Days Count '' when it clearly shows all " OK '' in the payment history? You are contradicting your claim. This is a violation and must be removed! Correct this at once! Also, By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. '' XXXX XXXX - XXXX " Accounting Error! How can there be a " Past Due- 30 Days Count '' when it clearly shows all " OK '' in the payment history? You are contradicting your claim. This is a violation and must be removed! Correct this at once! Also, By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. '' XXXX XXXX XXXX - XXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXy personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! 

XXXX XXXXXXXX XXXX XXXXXXXX - XXXX My personal information was impacted by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! 

XXXX - XXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! 

XXXX - XXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! 

Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX - XXXX My personal information was compromised in a data breach, and this company accessed my credit report without consent, violating the FCRA. I demand the immediate removal of this inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX My personal information was compromised in a data breach, and this company accessed my credit report without consent, violating the FCRA. I demand the immediate removal of this inquiry. 

XXXX XXXX XXXX XXXXXXXX My personal information was compromised in a data breach, and this company accessed my credit report without consent, violating the FCRA. I demand the immediate removal of this inquiry. 

XXXX XXXX XXXX XXXX XXXXXXXX My personal information was compromised in a data breach, and this company accessed my credit report without consent, violating the FCRA. I demand the immediate removal of this inquiry. 

XXXX XXXX XXXXXXXX My personal information was compromised in a data breach, and this company accessed my credit report without consent, violating the FCRA. I demand the immediate removal of this inquiry. 

XXXX XXXX XXXX XXXX XXXXXXXX My personal information was compromised in a data breach, and this company accessed my credit report without consent, violating the FCRA. I demand the immediate removal of this inquiry. 

XXXX XXXX XXXX - XXXX My personal information was compromised in a data breach, and this company accessed my credit report without consent, violating the FCRA. I demand the immediate removal of this inquiry. 

XXXXXXXX XXXX XXXX XXXXXXXX My personal information was compromised in a data breach, and this company accessed my credit report without consent, violating the FCRA. I demand the immediate removal of this inquiry. 

XXXX XXXX XXXX XXXX XXXXXXXX My personal information was compromised in a data breach, and this company accessed my credit report without consent, violating the FCRA. I demand the immediate removal of this inquiry. 

XXXX XXXX XXXX XXXXXXXX My personal information was compromised in a data breach, and this company accessed my credit report without consent, violating the FCRA. I demand the immediate removal of this inquiry. 

XXXX XXXX XXXX - XXXX My personal information was compromised in a data breach, and this company accessed my credit report without consent, violating the FCRA. I demand the immediate removal of this inquiry. 

XXXX XXXX XXXXXXXX My personal information was compromised in a data breach, and this company accessed my credit report without consent, violating the FCRA. I demand the immediate removal of this inquiry. 

XXXX - XXXX My personal information was compromised in a data breach, and this company accessed my credit report without consent, violating the FCRA. I demand the immediate removal of this inquiry. 

XXXX XXXX XXXX XXXXXXXX My personal information was compromised in a data breach, and this company accessed my credit report without consent, violating the FCRA. I demand the immediate removal of this inquiry. 

XXXX XXXX - XXXX My personal information was compromised in a data breach, and this company accessed my credit report without consent, violating the FCRA. I demand the immediate removal of this inquiry. 

XXXX XXXX XXXX XXXX  XXXX My personal information was compromised in a data breach, and this company accessed my credit report without consent, violating the FCRA. I demand the immediate removal of this inquiry. 

XXXX XXXX XXXX XXXXXXXX My personal information was compromised in a data breach, and this company accessed my credit report without consent, violating the FCRA. I demand the immediate removal of this inquiry. 

XXXX XXXX XXXX XXXXXXXX My personal information was compromised in a data breach, and this company accessed my credit report without consent, violating the FCRA. I demand the immediate removal of this inquiry. 

XXXX XXXX XXXX XXXXXXXX My personal information was compromised in a data breach, and this company accessed my credit report without consent, violating the FCRA. I demand the immediate removal of this inquiry. 

XXXX - XXXX My personal information was compromised in a data breach, and this company accessed my credit report without consent, violating the FCRA. I demand the immediate removal of this inquiry. 

XXXX - XXXX My personal information was compromised in a data breach, and this company accessed my credit report without consent, violating the FCRA. I demand the immediate removal of this inquiry. 

XXXX XXXX XXXX XXXX XXXXXXXX My personal information was compromised in a data breach, and this company accessed my credit report without consent, violating the FCRA. I demand the immediate removal of this inquiry. 

XXXX - XXXX My personal information was compromised in a data breach, and this company accessed my credit report without consent, violating the FCRA. I demand the immediate removal of this inquiry. 

XXXX XXXX XXXXXXXX My personal information was compromised in a data breach, and this company accessed my credit report without consent, violating the FCRA. I demand the immediate removal of this inquiry. 

XXXX XXXX - XXXX My personal information was compromised in a data breach, and this company accessed my credit report without consent, violating the FCRA. I demand the immediate removal of this inquiry.

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