Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Notice of Legal Action - Violation of Rights and False Reporting Dear Sir/Madam, I am writing this letter to bring to your immediate attention the persistent violations of my rights and false reporting on my credit accounts. Despite providing concrete evidence of being a victim of the XXXX XXXX data breach, you have consistently failed to verify and remove inaccurate information from my credit report. 


As a victim of the XXXX data breach, I have supplied you with substantial evidence, clearly establishing my identity theft and the fraudulent activities perpetrated in my name. However, I am deeply disappointed by your continuous reporting of credit accounts that can not be verified by your respective companies. This flagrant disregard for my rights is unacceptable and will not be tolerated any longer. 


Moreover, I have previously informed you of the fraudulent car loan document from XXXX, where my name was falsely used. I have presented you with documentation that includes a police report, providing further proof of this fraudulent activity. Despite these efforts, you have neglected to take appropriate action, reinstating the false information on my credit report without providing any valid justification. This is not only a violation of my rights but also a clear demonstration of your disregard for the accuracy and integrity of credit reporting. 


I want to make it explicitly clear that I am currently pursuing legal action against the two main credit bureaus due to these ongoing violations. While I had hoped to resolve this matter without further escalation, your persistent failure to rectify the false reporting has left me with no choice but to include XXXX, Experian, and XXXX in the impending lawsuit. 


Furthermore, I want to emphasize that the XXXX account listed on my credit report is not mine. This account was created during the XXXX data breach, and to date, XXXX has been unable to verify its authenticity. The only account I had with XXXX was a savings account, which I closed several months ago. Therefore, the inclusion of this unverified and unauthorized account on my credit report is a direct violation of my rights and your duty to accurate reporting. 


I demand that you take immediate action to rectify these violations by removing the false accounts from my credit report and ensuring that they are not reinstated without proper verification. Failure to comply with this demand will leave me with no choice but to pursue legal action against XXXX, Experian, and XXXX, holding you accountable for the ongoing harm caused to my credit and overall financial well-being. 


I expect your prompt attention and resolution in this matter. Please be aware that I am prepared to take all necessary legal steps to protect my rights and seek appropriate compensation for the damages incurred. 


Sincerely, XXXX XXXX

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