Consumer complaint received 2025-03-03 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: NC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Account Number : XXXX ] XXXX XXXX AND CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Account # XXXX Inquiry XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Data Breach Dispute Letter to Experian Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : Formal Request for Immediate Removal of Fraudulent Credit Information due to Data XXXX Dear Experian, This letter serves as a formal demand for the immediate removal of fraudulent information from my credit report related to a recent data breach, citing multiple legal protections that mandate compliance. 

XXXX and XXXX XXXX : 1. Fair Credit Reporting Act ( FCRA ) : As per 15 U.S.C. 1681i, I am disputing the accuracy of the information on my report. You are charged with conducting a timely investigation and correcting all inaccuracies within a XXXX timeframe. 

2. Electronic Communications Privacy Act ( ECPA ) & Gramm-Leach-Bliley Act ( GLBA ) These acts mandate the protection and confidentiality of personal data. Your obligations under the GLBA ( 15 U.S.C. 6801-6809 ) require you to address any breaches compromising personal data integrity.

3. Federal Trade Commission Act : Enacted to prevent unfair or deceptive practices, it holds you accountable for maintaining accurate data reporting and rectifying breaches in data security.

4. Case Law Reference : The evolving legal precedents from XXXX XXXX XXXX XXXX XXXX, No. XXXX challenge unsecured and unauthorized claims on credit reports, particularly highlighting infractions under 15 U.S.C. 1692e relating to false representations.

Demands and Timeline : I demand that all information related to the data breach be permanently removed from my report immediately, and I expect confirmation within XXXX  days per the statutory limit outlined by the FCRA. 
Personal Information : Name : XXXX XXXX Addresses : XXXX Okelly XXXX XXXX # XXXX XXXX, NC XXXX - Social Security Number : XXXX Date of Birth : XX/XX/year> This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 2. 15 USC 1681i Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. **15 USC 1681e ( b ) ** : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. **15 USC 1681g ( a ) ** : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. **15 USC 1681m** : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. **15 USC 1681n** : I reserve the right to seek damages for any violations of the FCRA resulting XXXX this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 

This letter takes my rights and legal obligations under consideration, holding you accountable to uphold consumer protection laws and promptly rectify any potential breaches. 

Yours 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