Consumer complaint received 2024-08-29 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: MN

Complaint narrative:
To Whom It XXXX 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. These reports were lawfully obtained by me, 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 XXXX for the specific item as it appears. Please provide proof that the information as contained on the reported tradeline is 100 % Accurate, Complete, Verifiable, AND Timely. Please re-investigate the accusations that are detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any obligations of your reporting bar none.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 CO - XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. XXXX! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX XXXX - XXXX - This is a violation of XXXX XXXX CODE XXXX. Was never late, delete this XXXX late remark from the payment history. XXXX XXXX XXXX ( a ) ( XXXX ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other ( XXXX ) in written instructions of the consumer to whom it relates. 

XXXX BANK XXXX XXXX XXXX - This is a violation of XXXX XXXX CODE XXXX. Was never late, delete this XXXX late remark from the payment history. XXXX XXXX XXXX ( a ) ( XXXX ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other ( XXXX ) in written instructions of the consumer to whom it relates. 

XXXX XXXX XXXX - XXXX This is a violation of XXXX XXXX CODE XXXX. Was never late, delete this XXXX late remark from the payment history. XXXX XXXX XXXX ( a ) ( XXXX ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other ( XXXX ) in written instructions of the consumer to whom it relates. 

XXXX XXXX XXXX - XXXX - This is a violation of XXXX XXXX CODE XXXX. Was never late, delete this XXXX late remark from the payment history. XXXX XXXX XXXX ( a ) ( XXXX ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other ( XXXX ) in written instructions of the consumer to whom it relates. 

XXXX XXXX- XXXX - The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX XXXX - XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. XXXX! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

Listed below are the Inquiries that are being challenged : 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 XXXX  years, or both. XXXX XXXX. XXXX. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this is from my report asap! 

XXXX BANK 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 XXXX  years, or both. XXXX XXXX. XXXX. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this is 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 is from my report asap! 

PARTNERS CREDIT amp VE - 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 is from my report asap! 

XXXX XXXX AUTOS 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 is from my report asap! 

XXXX XXXX VIA DEALER - 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 is 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 is 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 is 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 is 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 is from my report asap! 

XXXX CREDIT - 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 XXXX  years, or both. XXXX XXXX. XXXX. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this is 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 is 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 XXXX years, or both. XXXX XXXX. XXXX. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this is 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 XXXX  years, or both. XXXX XXXX. XXXX. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this is from my report asap! 

PARTNERS 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 is 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 XXXX  years, or both. XXXX XXXX. XXXX. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this is 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 XXXX  years, or both. XXXX XXXX. XXXX. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this is 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