Consumer complaint received 2025-02-14 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: NV

Complaint narrative:
I am writing to formally address a serious concern regarding a recent data breach involving my personal and financial information. As I understand, this breach has potentially compromised my sensitive data, including but not limited to my credit history, social security number, and other personal identifying information. The breeched data placed millions of individuals in the United States at risk for fraud and identity theft. I have had to replace my debit card twice since the breech I have had the get a new debt card because of fraud. I wonder why the XXXX sent me such a large settlement check. I was with XXXX during that timeframe. I requested a personal information several times. Letters were sent XX/XX/XXXX, XX/XX/XXXX, and XXXX, XXXX. XX/XX/XXXX I reviewed my credit reprt and noticed some credit inquires that I did not authorize. I sent a letter listing the companies and the inquiry came back verified. After receiving the security breech information, I froze my credit. Waiting to receive a letter to unfreeze my credit. That never happened. So how was my credit verified? I sent certified letters XXXX and XX/XX/XXXX. I received dispute results with the personal information and inquires still on my credit report. Dispute results XX/XX/XXXX, had no correction to my name or addresses and additional address were added to my credit file that I didnt recognize. My credit report XXXX was not updated with the correct information. Names from both my marriages are listed and I am no longer married and, I have a court order to use my maiden name. XX/XX/XXXX has the old personal data. Another letter was certified and deliver requesting personal information updates and unauthorized inquire updates, nothing was done. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have the right to expect that any consumer reporting agency or entity that maintains my personal credit data exercises reasonable procedures to ensure its accuracy and security. The breach of my personal data appears to be a direct violation of these standards, exposing my private information to potential identity theft or unauthorized use.

Additionally, under the Right to Privacy, I am entitled to have my personal data protected against unauthorized access and misuse. The breach of my credit information constitutes a clear violation of these rights. As a result, I am requesting the following : XXXX. A detailed explanation of the breach, including the nature of the compromised data and how it occurred. 
XXXX. Immediate notification regarding the steps being taken to rectify the breach and to prevent future incidents. 
XXXX. Confirmation of any unauthorized access to my personal information. 
XXXX. A copy of any security measures being implemented to safeguard my data in the future. 
XXXX. Information on how I can monitor and protect my credit, including any actions you are taking, such as providing credit monitoring or placing a fraud alert or credit freeze on my accounts. 
XXXX. Removal of all comprised data from my credit report. 
Furthermore, I request that you provide me with a formal response no later than XX/XX/XXXX outlining your plan of action. 
Please be advised that if I do not receive a satisfactory resolution, I will not hesitate to escalate this matter through the appropriate regulatory authorities, including the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I may also consider seeking legal advice to explore potential remedies for any harm caused by this breach. 
I trust you will treat this matter with the urgency and seriousness it deserves and look forward to your prompt response.

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