Consumer complaint received 2024-10-03 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: CA

Complaint narrative:
To Whom It May Concern, I am beyond furious that my credit report includes inaccurate information! The Fair Credit Reporting Act mandates that I have the right to dispute any such information, and I demand that you rectify this immediately. It is your responsibility to ensure that the data included in my credit report is documented and validated before it is used by creditors. The allegations of delinquency and derogatoriness against me are completely false, and I will not stand for this! I demand that you provide evidence that supports the negative status of my accounts. You must include proof of a permissible purpose for the inquiry or account within my report. I am utterly disgusted with your incompetence in compiling my credit report, and I can say without a doubt that you are not doing your job properly. I insist that you take immediate action to rectify this issue ; otherwise, there will be serious consequences. I am giving you a 30-day ultimatum from the date of delivery to resolve this matter. I sincerely hope that everything can become clear and correct itself without the need for intervention or escalation. 

XXXX XXXX - XXXX In compliance with 15 U.S. Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. This is clear proof that this item is reporting INCOSISTENTLY across all the displayed bureaus, an infraction of compliance! DELETE at once! 

XXXX XXXX XXXX XXXX XXXXXXXX My info got hit by that XXXX XXXX breach, and now my credit report 's got all kinds of stuff I don't recognize. UNPROVEN! You can't just assume those claims are valid without proof. Show me you're following the right compliance standards for this account. The FTC is looking into this. DELETE! 

XXXX XXXX XXXX XXXX  You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) By the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we have already involved and sent this letter to the Consumer Financial Protection Bureau, the Attorney Generals Office, XXXX XXXX XXXX XXXX, and the Federal Trade Commission. 

XXXX XXXX XXXX XXXXXXXX You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) By the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we have already involved and sent this letter to the Consumer Financial Protection Bureau, the Attorney Generals Office, XXXX XXXX XXXX XXXX and the Federal Trade Commission. 

XXXX - XXXX My info got hit by that XXXX data breach, and now my credit report 's got all kinds of stuff I don't recognize. UNPROVEN! You can't just assume those claims are valid without proof. Show me you're following the right compliance standards for this account. The FTC is looking into this. DELETE!

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