Consumer complaint received 2024-06-19 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: CA

Complaint narrative:
I'm writing to alert you of a very serious and critical issue : the compromising of my Social Security number, which has resulted in a data breach and identity theft. To resolve this matter as soon as possible, I contacted the Federal Trade Commission and submitted an FTC Report, which is enclosed with this communication. 

According to 15 USC 1681c-2 ( c ) ( a ), as a credit reporting organization, you must immediately block and remove all information linked with this identity theft from my credit report. This Act requires credit reporting companies to respond to such requests within four business days after receiving a complaint that includes the following information. 

XXXX XXXX XXXX XXXX XXXX ** You have violated United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I never gave you any written consent to report anything on my consumer report. Under 15 U.S. Code 1681b, these accounts must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. This letter has also been sent to the Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX  and Federal Trade Commission. 

XXXX XXXX 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. According to compliance standards, these claims are currently unverified and can not be assumed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. According to compliance standards, these claims are currently unverified and can not be assumed 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. 

I am emphasizing the importance of the situation and my expectation of a swift and effective response. Failure to reply satisfactorily will force me to take legal action against your agency, as allowed by law. Please be advised that I shall seek damages, including but not limited to statutory fees, with each violation incurring a statutory cost of {$1000.00}, as provided in 15 U.S.C. 1692k.

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