Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
To Whom It May Concern, This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report. I lawfully obtained these reports through the declaration of the rights granted to consumers under the Fair Credit Reporting Act. The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the allowable reporting periods as detailed in the Act for the specific item as it appears. Please provide proof that the information on the reported tradeline is 100 % Accurate, Complete, Verifiable, AND Timely. Please re-investigate the accusations detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any obligations of your reporting bar none. 

XXXX XXXX - XXXX " This is a violation of 15 U.SXXXX CODE 1666B. Was never late, delete this XXXX late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. '' XXXX XXXX - XXXX " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this XXXX late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. '' XXXX XXXX - XXXX " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this XXXX late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. '' XXXX XXXX - XXXX " This is a violation of 15 U.SXXXX CODE 1666B. Was never late, delete this XXXX late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. '' XXXX XXXX - XXXX " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this XXXX late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. '' XXXX XXXX - XXXX " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this XXXX late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. '' XXXX XXXX - XXXX " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this XXXX late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. '' XXXX XXXX - XXXX " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this XXXX late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX - XXXX - The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

Listed below are the Inquiries that are being challenged : XXXX XXXX - XXXX As per the Fair Credit Reporting Act, a creditor is obligated to authenticate the written consent of a consumer allowing them to review their credit. If you can furnish me with a copy of a credit application containing my signature, authorizing the disclosure of my credit files, I shall acknowledge the inquiry. However, if there is no signed authorization available, kindly expunge the inquiry from the three major credit bureaus XXXX XXXX XXXX XXXX  As per the Fair Credit Reporting Act, a creditor is obligated to authenticate the written consent of a consumer allowing them to review their credit. If you can furnish me with a copy of a credit application containing my signature, authorizing the disclosure of my credit files, I shall acknowledge the inquiry. However, if there is no signed authorization available, kindly expunge the inquiry from the three major credit bureauXXXX XXXX XXXX XXXX XXXX As per the Fair Credit Reporting Act, a creditor is obligated to authenticate the written consent of a consumer allowing them to review their credit. If you can furnish me with a copy of a credit application containing my signature, authorizing the disclosure of my credit files, I shall acknowledge the inquiry. However, if there is no signed authorization available, kindly expunge the inquiry from the three major credit bureaus XXXX XXXX XXXX - XXXX As per the Fair Credit Reporting Act, a creditor is obligated to authenticate the written consent of a consumer allowing them to review their credit. If you can furnish me with a copy of a credit application containing my signature, authorizing the disclosure of my credit files, I shall acknowledge the inquiry. However, if there is no signed authorization available, kindly expunge the inquiry from the three major credit bureaus XXXX XXXX - XXXX As per the Fair Credit Reporting Act, a creditor is obligated to authenticate the written consent of a consumer allowing them to review their credit. If you can furnish me with a copy of a credit application containing my signature, authorizing the disclosure of my credit files, I shall acknowledge the inquiry. However, if there is no signed authorization available, kindly expunge the inquiry from the three major credit bureaus XXXX XXXX  - XXXX As per the Fair Credit Reporting Act, a creditor is obligated to authenticate the written consent of a consumer allowing them to review their credit. If you can furnish me with a copy of a credit application containing my signature, authorizing the disclosure of my credit files, I shall acknowledge the inquiry. However, if there is no signed authorization available, kindly expunge the inquiry from the three major credit bureaus XXXX - XXXX As per the Fair Credit Reporting Act, a creditor is obligated to authenticate the written consent of a consumer allowing them to review their credit. If you can furnish me with a copy of a credit application containing my signature, authorizing the disclosure of my credit files, I shall acknowledge the inquiry. However, if there is no signed authorization available, kindly expunge the inquiry from the three major credit bureaus XXXX XXXX - XXXX As per the Fair Credit Reporting Act, a creditor is obligated to authenticate the written consent of a consumer allowing them to review their credit. If you can furnish me with a copy of a credit application containing my signature, authorizing the disclosure of my credit files, I shall acknowledge the inquiry. However, if there is no signed authorization available, kindly expunge the inquiry from the three major credit bureaus

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