Consumer complaint received 2025-01-12 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: CA

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX for XXXX XXXX XXXX and FCRA Provisions To Whom It May Concern, I am writing to dispute inaccurate and fraudulent information appearing on my credit report resulting from the recent XXXX Data Breach of XX/XX/year>. This breach exposed sensitive personal and financial information, compromising my identity and resulting in unauthorized activity and inaccuracies on my credit file.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to block fraudulent information from their credit reports if they are victims of identity theft.The Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. Additionally, I invoke the provisions of the Uniform Commercial Code ( UCC ), specifically UCC 1-308, which allows me to reserve my rights and request immediate removal of the inaccurate entries. 
The disputed accounts and items are as follows : XXXX XXXX  Account # XXXX & XXXX XXXX  XXXX Account # XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, FB & T/MERCURY Accounts # XXXX, XXXX SYNCB/TJX Account # XXXX, XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX BANK TRUST ) Account # XXXX XXXX XXXX ( Original Creditor : WEB BANK ) Account # XXXX XXXX BANK XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX CBNA Account # XXXX TRANSFORM CREDIT XXXX Account # XXXX Inquiries XXXX XXXX Bank Credit Card XXXX XXXX Bank Credit Card XXXX XXXX BANK XXXX Bank Credit Card XXXX XXXX this XXXX XXXX XXXX will find the following documentation to support my claim : A copy of my credit report with the disputed items highlighted. 
Documentation proving the breach of my personal data in the XXXX incident. 
A copy of my government-issued ID and proof of residence for verification purposes. 

As required under the FCRA ( XXXX XXXX. XXXX ), I request that you conduct a thorough investigation of these items. If you can not verify their accuracy, they must be promptly deleted from my credit file. 
Additionally, under XXXX XXXX, I reserve my rights without prejudice and demand full compliance with my dispute, ensuring no further harm arises from the breach. 
I expect a written response within 30 days, as mandated by the FCRA, confirming the results of your investigation and detailing the actions taken. Should this matter not be resolved satisfactorily, I am prepared to escalate my dispute by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant agencies. 
Thank you for your prompt attention to this matter. Please contact me at ( XXXX ) XXXX or XXXX if you require additional information. 


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