Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ALL OF TRUST PROPERTY HAVE BEEN INFRINGED UPON. THERE HAVE BEEN CALLS MADE TO COMPANY AND MATTER HAS NOT BEEN RESOLVED. CONFIDENTIAL* FCRA DATA BREACH 605B Subject : Urgent Request for Resolution of Data Breach Impact and Compensation for XXXX XXXX XXXX XXXX : XXXX Dear Credit Reporting Agency Representative, I am writing to address the severe harm caused by the data breaches experienced by your agency that compromised my personal information. This breach of security, resulting from your negligence, has directly impacted my financial standing, personal well-being, and the security of my family. I demand the immediate removal of all fraudulent accounts and inaccuracies from my credit report and fair compensation for the direct and indirect damages caused by this breach and its aftermath. 

Impact on My Family The consequences of your failure to safeguard my sensitive information include : 1. Financial Harm : Fraudulent activity has significantly impacted my credit score, resulting in denied credit opportunities critical for housing, healthcare, and other essentials.

2. Emotional Distress : My family and I have endured immense stress and anxiety while addressing these issues, affecting our mental health and stability. 


XXXX. Reputational Damage : This breach has tarnished my credibility, causing strain in both professional and personal relationships. 



Legal Precedent There are numerous cases where credit reporting agencies were held accountable for negligence in data breaches, including : XXXX. In re : XXXX XXXX XXXX XXXX Customer Data Security Breach Litigation ( XXXX ) : XXXX settled for {$700.00} XXXX after a breach exposed sensitive information of over XXXX XXXX consumers. 


XXXX. XXXXXXXX XXXX XXXXXXXX ( XXXX ) : The U.S. Supreme Court emphasized the responsibility of credit reporting agencies to maintain accuracy and security, awarding damages to affected individuals. 


XXXX. Experian Data Breach Settlement ( 2021 ) : Experian settled for failing to protect consumer data, resulting in significant reparations to victims.

Request for Immediate Action I am requesting that you : 1. Investigate and remove all fraudulent accounts and inaccuracies caused by the data breach from my credit report immediately. 


XXXX. Provide me with a comprehensive written statement confirming the removal of these items and measures taken to prevent further harm. 


XXXX. Compensate me for damages caused, including financial losses, legal fees, emotional distress, and costs incurred to mitigate the breachs effects. 



Failure to take swift and decisive action will compel me to escalate this matter through legal proceedings and regulatory bodies. 

Scriptural Reflection on Justice and Redemption Your responsibility to protect the information entrusted to you is sacred. As XXXX XXXX states : " Do not exploit the poor because they are poor and do not crush the needy in court, for the XXXX will take up their case and will exact life for life. '' Just as XXXX freed the Israelites from bondage, I seek justice and redemption from the financial and emotional captivity caused by your negligence ( XXXX XXXX ). 

Conclusion As a credit reporting agency, your obligation is to maintain the integrity and security of consumer information. I urge you to act promptly and effectively to address this matter. Please contact me directly at [ Your Contact Information ] within [ a specific timeframe ] to confirm receipt of this letter and outline your corrective actions. 

I trust you will address this issue with the urgency and seriousness it deserves. 

Void where prohibited by law

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