Consumer complaint received 2024-08-26 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 may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) 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 ) ( iii ) - 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 15 days after receiving a request from the consumer for that description. I previously 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, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 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 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 - This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never late, so delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. Again, remove this 30-day incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely 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. UNPROVEN! 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! 

XXXXXXXX XXXX XXXX XXXX - My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! 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 You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX XXXX - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX XXXX XXXX - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX  - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX  XXXX - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX XXXX XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY

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