Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Affidavit of Fact and Notice of Default XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Notice of Default and Final Demand for Correction of Inaccurate Information in Favor of XXXX XXXX XXXX XXXX XXXX It XXXX Concern, I, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX of lawful age and sound mind, do hereby declare the following to be true and correct under the penalty of perjury : XXXX. Background and Affidavit of Facts : - On [ Insert Date ( XXXX ) ], I submitted formal dispute letters to Experian, XXXX, and XXXX, regarding inaccurate information contained in my credit reports. Despite the submission of these disputes, these credit reporting agencies have failed to correct the erroneous data. 

- The inaccuracies present in my credit reports have caused significant harm to my creditworthiness, resulting in financial losses and emotional distress. 

- In light of the recent report by the XXXX XXXX XXXX, indicating that a notorious hacking group has released Social Security numbers and other sensitive personal information of nearly every American, including data potentially obtained from XXXX XXXX XXXX, it is imperative that my credit reports be immediately corrected to reflect accurate information. This breach has significantly increased the risk of identity theft, fraud, and other related crimes. 

- The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, mandates that credit reporting agencies must conduct a reasonable investigation into any disputed information within 30 days of receiving a dispute from a consumer. To date, Experian, XXXX, and XXXX have failed to comply with this legal requirement by not correcting the inaccuracies, thus violating federal law. 

XXXX. Notice of Default : - This communication serves as a formal Notice of Default to Experian, XXXX, and XXXX for their failure to correct the inaccurate information within the legally prescribed timeframe. 

- The following inaccuracies are of particular concern : XXXX XXXX XXXX ACCOUNT XXXX XXXX ) XXXX XXXX FEDERAL ACCOUNT ( XXXX ) XXXX. INACCURATE MAILING ADDRESSES- Given the increased threat posed by the recent data breach, it is crucial that these inaccuracies be corrected immediately to prevent further damage. Failure to rectify these issues within 15 days of receipt of this Notice of Default will leave me with no choice but to initiate legal action for violations of the FCRA. 

XXXX. Actions Taken to Mitigate Risks : - In response to the recent data breach, I have taken the following actions to protect my personal information : - Regularly monitoring my credit reports with Experian, XXXX, and XXXX for any unauthorized activities or new accounts opened in my name. 
- Placing a credit freeze with each of the major credit bureaus to prevent fraudsters from opening new accounts in my name. 
- Utilizing identity theft protection services to monitor my personal information and alert me to any suspicious activities. 
- Strengthening the security of my online accounts by using strong, unique passwords and enabling two-factor authentication ( XXXX ). 
- Remaining vigilant against phishing scams that could use leaked information in combination with fraudulent attempts to steal more data or money. 

XXXX. Legal Claims and Demands : - Count XXXX : Violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) - Failure to conduct a reasonable investigation into the disputes filed.

- Failure to correct or delete inaccurate, incomplete, or unverifiable information.

- Continued reporting of information known to be inaccurate.

- Demand for Action : - Conduct a thorough and reasonable investigation of the disputed items listed above.

- Correct all inaccurate information contained in my credit report.

- Provide written confirmation that these corrections have been made within 15 days. 

XXXX. Notice of Intent to Pursue Legal Action : - Should Experian, XXXX, and XXXX fail to comply with the demands outlined in this Affidavit and Notice of Default, I will pursue all available legal remedies, including but not limited to : - Statutory damages - Punitive damages - Attorney fees- I demand a prompt acknowledgment of this letter and a clear indication of your intent to comply with the FCRA within the XXXX period. Failure to respond or correct the inaccuracies will compel me to file a lawsuit to protect my rights. 

XXXX 's Signature : By XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX All Rights ( Remedies ) Reserved

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