Consumer complaint received 2025-03-07 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> I am formally submitting this statement to document a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801 ( Right to Privacy ) by [ Credit Reporting Agency Name ]. I also demand the immediate removal of unauthorized and inaccurate accounts from my credit report.

Violation of 15 U.S.C. 6801 Right to Privacy Under 15 U.S.C. 6801, financial institutions, including credit reporting agencies, are legally required to protect the confidentiality, security, and integrity of consumers personal information. However, Transunion Experian, And Equifax has unlawfully bought, sold, or shared my personal and financial data without my explicit consent, violating my federal right to financial privacy.

By engaging in these unauthorized practices, Transunion Experian, And Equifax has subjected me to increased risks of fraud, identity theft, and financial harm. I demand immediate corrective action, including : 1. A full investigation into the unauthorized sale and distribution of my personal financial data.

2. The immediate cessation of any further unauthorized sharing, selling, or access to my credit report.

3. A detailed written response outlining the specific entities that have accessed or purchased my information and the permissible purpose under which it was provided.

Failure to comply with these demands will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. If necessary, I will also pursue legal action against Transunion Experian, And Equifax for violating my right to financial privacy and seek damages for noncompliance. 

Dispute of Unauthorized & Inaccurate Accounts XXXX Deletion Demand I am also disputing the following accounts as inaccurate, unverifiable, and/or unauthorized and demanding their immediate deletion within XXXX business days : XXXX. XXXX - Account # XXXX Reason : Account is not mine Ive been affected by Equifax data breach XXXX XXXX XXXX Account # XXXX Reason : Account is not mine Ive been affected by Equifax data breach XXXX unknown- Account # XXXX Reason : Account is not mine Ive been affected by Equifax data breach XXXX XXXXXXXX XXXX- Account # XXXX - Reason Account is not mine Ive been affected by Equifax data breach These accounts must be permanently deleted within XXXX business days in accordance with 15 U.S.C. 1681i, which requires credit reporting agencies to investigate and remove unverified, unauthorized or inaccurate information. 

Final Demand : Legal Action if Not Deleted Within XXXX  Days I am demanding the following IMMEDIATE ACTIONS from Transunion, Experian, Equifax : Investigate and delete the disputed accounts within XXXX business days from receipt of this notice. 
Provide a written response detailing the method of verification used to validate any disputed accounts. 
Stop all unauthorized buying, selling, and sharing of my financial data under 15 U.S.C. 6801. 
Mail me an updated credit report reflecting the removal of these disputed accounts. 

I strongly advise that TransUnion Experian Equifax take this matter seriously and comply immediately. 

Sincerely, 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