Consumer complaint received 2025-03-23 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: MI

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX To : Consumer Reporting Agency ( Equifax, Experian, or TransUnion ) Subject : Dispute Regarding Incorrect Information and Data Breach Impact on My Credit Report Dear Sir/Madam, I am writing to formally dispute several items listed on my credit report that I believe are the result of a data breach and the subsequent exposure of my personal information. My consumer rights, including those protected by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), have been violated due to inaccurate reporting and the mishandling of my data by third parties. 
Disputed Items : XXXX Item XXXX : My Adresses and work place are incorrect XXXX Item XXXX : inquires and accounts I didnt open are listed on my credit report. 
Explanation of Dispute : On XXXX XXXX, I became aware that my personal information had been exposed due to a data breach. This breach has led to unauthorized access to my credit profile, and subsequently, several inaccuracies have appeared on my credit report, including but not limited to the reporting of late payments and accounts that I have never authorized. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or outdated. Under Section 609 of the FCRA, I am requesting a full investigation of the items in question. Furthermore, Section 605A mandates that any information resulting from fraud or identity theft should be corrected or removed from my report.

Additionally, under the Consumer Financial Protection Bureau ( CFPB ) guidelines, any delay in correcting these inaccuracies or in investigating the disputed information will be deemed an unfair practice, as outlined in the CFPBs guidelines on credit reporting, which protect consumers from harm caused by inaccurate data or unauthorized access to their financial information. 
Required Actions : XXXX. Immediate Correction/Removal of Inaccurate Information : Please correct or remove the disputed items on my credit report, as I have provided evidence of their inaccuracy and fraudulent origin. 
XXXX. Investigation into the Data Breach : I request that you thoroughly investigate the impact of the data breach on my credit file and take the necessary steps to prevent further exposure of my information. 
XXXX. Proof of Investigation and Resolution : Please provide a written explanation of the results of your investigation, including documentation of any actions taken to correct the inaccurate information. If the disputed information can not be verified, it should be removed from my credit report, as required under the Fair Credit Reporting Act. 
Relevant Consumer Protection Laws : * Fair Credit Reporting Act ( FCRA ) : Protects consumers against inaccurate credit reporting. 
* Fair Debt Collection Practices Act ( FDCPA ) : Prohibits deceptive or unfair practices by debt collectors. 
* Consumer Financial Protection Bureau ( CFPB ) : Ensures consumers ' rights are protected against data breaches and inaccurate credit reporting. 
I expect the investigation to be completed within 30 days, as required by law. If this dispute is not resolved in my favor, I will consider escalating the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and pursuing legal action as needed. 
Thank you for your prompt attention to this matter. Please send me a copy of my updated credit report once the investigation is complete. 

Sincerely, 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