Consumer complaint received 2024-12-15 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: IL

Complaint narrative:
According to CFPB 1022.43 ( 1 ), ( 2 ), ( 3 ), ( 4 ) this information must be removed and because of the breach of my data and the reporting discrepancies ' in my address and inaccurate information on my credit report must be removed immediately. The removal of all inaccurate information from my credit report because of the data breach the inaccurate information must be removed immediately.XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To whom it may concern, I XXXX XXXX the affected party to the recent data breach, which caused discrepancies and inaccurate information being reported on my credit report because of this breach. I am requesting immediate removal of any and all discrepancies, inaccurate, and unauthorized data on my credit report I want removed immediately. According to federal law and based off of the Fair Credit Reporting Act I was promised accuracy on my credit report. I am sending this letter and a copy of my credit report along with a copy of my Driver License and supporting documents for action to be taken immediately on my behalf for these issues to be removed. Starting with the discrepancies in my address my address is 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, unauthorized hard inquiries that I did not give written, verbal consent or authorization to 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 [ {$1600.00} ] should be reporting {$0.00} balances and all supporting documents are attached with this letter. As well as charge offs to be removed and Title 15 usc 1601 using for this XXXX XXXX account # XXXX, collection accounts to be removed using title 15 usc 1692c for these two XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX. Thank you for your cooperation. See attached supporting documents. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the affected party to the recent data breach, which caused discrepancies and inaccurate information being reported on my credit report because of this breach. I am requesting immediate removal of any and all discrepancies, inaccurate, and unauthorized data on my credit report I want removed immediately. According to federal law and based off of the Fair Credit Reporting Act I was promised accuracy on my credit report. I am sending this letter and a copy of my credit report along with a copy of my Driver License and supporting documents for action to be taken immediately on my behalf for these issues to be removed. Starting with the discrepancies in my address my address is 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, unauthorized hard inquiries that I did not give written, verbal consent or authorization to 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 XXXXXXXX [ {$1600.00} ] should be reporting {$0.00} balances and all supporting documents are attached with this letter. As well as charge offs to be removed and Title 15 usc 1601 using for this XXXX XXXX account # XXXX, collection accounts to be removed using title 15 usc 1692c for these XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX. Thank you for your cooperation. See attached supporting documents. Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the affected party to the recent data breach, which caused discrepancies and inaccurate information being reported on my credit report because of this breach. I am requesting immediate removal of any and all discrepancies, inaccurate, and unauthorized data on my credit report I want removed immediately. According to federal law and based off of the Fair Credit Reporting Act I was promised accuracy on my credit report. I am sending this letter and a copy of my credit report along with a copy of my Driver License and supporting documents for action to be taken immediately on my behalf for these issues to be removed. Starting with the discrepancies in my address my address is 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 unauthorized hard inquiries that I did not give written, verbal consent or authorization to 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 XXXXXXXX [ {$1600.00} ] should be reporting {$0.00} balances and all supporting documents are attached with this letter. As well as charge offs to be removed and Title 15 usc 1601 using for this XXXX XXXX XXXX XXXX XXXXXXXX, collection accounts to be removed using title XXXX XXXX XXXX for these XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX. Thank you for your cooperation. See attached supporting documents.

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