Consumer complaint received 2024-07-09 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: PA

Complaint narrative:
To whom it may concern my credit report has been compromised in several different ways, I have contacted XXXX XXXX, XXXX, And Experian in reference to all these matters originally back on XX/XX/XXXX The only one who updated my credit report was XXXX. I Again Reached Out To XXXX XXXX XXXX Experian XX/XX/XXXX to dispute these matters which I have and they still havent gotten back to me yet, but the law states they have 15 days to get back to me and were past that Mark and these items are still on my credit Report hindering me from purchasing a new car loan to get back-and-forth to work. There are inaccurate addresses, as well as the spelling of my. Name throughout these two different credit bureaus. I have never provided any consent for any credit bureaus to keep reporting negative items on my report all of these credit bureaus are violating my constitutional right as follows in title 15 USC 1681B. I am a victim of fraud and identity theft and most of these items & inquiries do not look familiar to me As I am a victim of the XXXX XXXX breach, and I would like all of these items, deleted from my credit report during this investigation. If we can not come to this agreement, I am fully prepared to start arbitration. Some of those rights are in violation of 15 US code 1692 ( f ) ( 7 ) title 15 US code 1692 ( d ) ( 2 ) Title 15 US code 1692 ( e ) ( 2 ) ( a ) title 15 US code 1692 ( j ) And these are just some of my rights that have been violated. I am in the process of contacting each, and everyone of these Institutions separately, some of them I have contacted already letting them know how they have violated me & my rights and I need to be compensated for my time The cost of certified mailing and all the violations I have been burdened with ever since the XXXX breach, all kinds of things have been popping up on my credit from charge offs to inquiries, and Im just finding out how this could have possibly happen, while finding out, I am in fact, a victim of the XXXX XXXX breach, which I have the proof of along with this letter companies have exposed and or traded my personal information its all been compromised I did not give any permissible purpose for anyone to run my credit. Please delete these items from my credit report. from all of the following companies that have misled me, and that have uninformed me on the use of my credit I am fully prepared to take legal matters further by suing these companies. If we can not come to a mutual understanding and agreement, I have listed here how I would like to resolve these issues. I would also like for these companies to compensate me for the time I put in trying to fix these unlawful transactions that caused me to be the consumer, in which these debts are arising from these credit transactions put me in deep debt these fraud items on my credit that I know nothing about which is a violation of my rights which could also be found in title 15 US code 1601 ( a ) & ( b ) and also for the compensation of not over {$1000.00} which is in title 15 US code 1692 ( k ) the civil liability from all of these financial institutes credit collection, & agencies. I, XXXX XXXX would like to dispute the validity of all of these alleged debts listed in this letter entirely. I would also like a copy of the original purchase agreement from all of these different creditors, so that this alleged debt can be verified I would like for the agreements to be with the original creditors Because some of these companies are reaching out to me about the same debt but they are different companies. Therefore I am requesting that XXXX, XXXX XXXX, Experian, XXXX, & XXXX, & XXXX Cease collection efforts on these alleged debts until everything is validated I ask that you must show proof that you legally own this alleged debt, and that I am the consumer in which the debt is arising from, because all of this have been going on, I have been burdened with all kinds of financial hardships. My business account was compromised From XXXX XXXX XXXX XXXXXXXX XXXX XXXX account Was shut down in which I owe a large bill of {$600.00} to XXXX which I have banked with for the last XXXX years its been ridiculously hard for me to get Car insurance & a car loan amongst other things. Down below, are a list of companies along with dates who have violated my rights and or are fraudulent on my credit report. 

As I stated, please remove all of these inquiries and items until this investigation is closed. As far as Im concerned, the whole credit report is compromised. The only thing that should be on my credit report is the XXXX XXXX. This is just about identical to the letter that I have personally sent out to all three credit bureaus Along with the evidence of the XXXX data breach, which I believe caused all of my information to be leaked my credit report to be hindered. 

Before all of this started happening I had a credit score of XXXX now its below XXXX and its making it extremely hard to live life and run my business. 

XXXX XXXX XXXX Account number XXXX Opened XX/XX/XXXX Phone # XXXX XXXX XXXX {$15000.00} XXXX XXXX Account number XXXX Account opened XX/XX/XXXX Account closed XX/XX/XXXX This is marked down as closed with a balance which isnt true its paid off & it was paid off yrs early Mailing address XXXX XXXX XXXX XXXX, Tx XXXX Phone # XXXX XXXX XXXX XXXXXXXX XXXX Which gave the debt to a third party called credit coll Opened XX/XX/XXXX {$230.00} XXXX which gave the debt to a third party who is XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$9300.00} XXXX  Opened XX/XX/XXXX {$1900.00} XXXX which sold the the debt to a third party Opened XX/XX/XXXX {$50.00XXXX XXXX which sold the debt XXXX XXXXXXXX XXXX Opened XX/XX/XXXX {$650.00} Inquiries I HAVE NO IDEA WHO & Or Where they came from. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX False phone # XXXX ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX False names AKA XXXX XXXX AKA XXXX XXXX False address False Address XXXX XXXX XXXX XXXX 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