Consumer complaint received 2024-08-08 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: MN

Complaint narrative:
To Whom It May Concern, I am writing to demand the immediate blocking and removal of fraudulent information from my credit report. My social security number has been compromised as a result of identity theft and a data breach. Attached to this letter is the FTC Identity Theft Report I filed. You are legally obligated to block and remove the fraudulent information from my credit report within XXXX business days of receiving this complaint, as mandated by 15 USC 1681c-2 ( c ) ( a ). The following items are disputed and must be addressed immediately : 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, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

XXXX 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, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please provide the method by which you verified that I applied directly for credit or gave permission to this company to access my credit by way of a signed authorization bearing my signature. If unable to do so, have this DELETED from my credit file because it is making it very difficult for me to acquire credit? Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report The FCRA states that the only permissible purpose for pulling someones credit is for A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Once again, DELETE! 

XXXX - XX/XX/XXXX - I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please provide the method by which you verified that I applied directly for credit or gave permission to this company to access my credit by way of a signed authorization bearing my signature. If unable to do so, have this DELETED from my credit file because it is making it very difficult for me to acquire credit? Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report The FCRA states that the only permissible purpose for pulling someones credit is for A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Once again, DELETE! 

XXXX - XX/XX/XXXX - I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please provide the method by which you verified that I applied directly for credit or gave permission to this company to access my credit by way of a signed authorization bearing my signature. If unable to do so, have this DELETED from my credit file because it is making it very difficult for me to acquire credit? Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report The FCRA states that the only permissible purpose for pulling someones credit is for A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Once again, DELETE! 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please provide the method by which you verified that I applied directly for credit or gave permission to this company to access my credit by way of a signed authorization bearing my signature. If unable to do so, have this DELETED from my credit file because it is making it very difficult for me to acquire credit? Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report The FCRA states that the only permissible purpose for pulling someones credit is for A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Once again, DELETE! 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please provide the method by which you verified that I applied directly for credit or gave permission to this company to access my credit by way of a signed authorization bearing my signature. If unable to do so, have this DELETED from my credit file because it is making it very difficult for me to acquire credit? Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report The FCRA states that the only permissible purpose for pulling someones credit is for A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Once again, DELETE! 

XXXX XXXX XXXXXX/XX/XXXX - I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please provide the method by which you verified that I applied directly for credit or gave permission to this company to access my credit by way of a signed authorization bearing my signature. If unable to do so, have this DELETED from my credit file because it is making it very difficult for me to acquire credit? Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report The FCRA states that the only permissible purpose for pulling someones credit is for A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Once again, 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