Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally file a grievance regarding the recent data breach that has compromised my personal information. As a consumer, I am deeply concerned about the security of my data and the potential risks that this breach poses to my financial well-being. 

It has come to my attention that a breach in your system has exposed sensitive personal details, including but not limited to my social security number, my email, my address and other personal information. The unauthorized access to this information raises serious concerns about identity theft, fraud, and the long-term impact on my credit score and financial standing.

Credit Reporting Agencies are supposed to implement strong security measures to protect consumer credit information from unauthorized access and data exposure. These companies, Experian, XXXX and XXXX have failed to do this. 



The following information are discrepancies that I found on all 3 credit reports : XXXX : Names-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX Late payments on XXXX  XXXX  accounts that are inconsistent across all 3 bureaus and no permission/consent given from me allowing this. According to UCC, once a company accepts payment for an account its like that late never happened therefore, should not be on my credit. 

Late payment on XXXX XXXX and XXXX XXXX that I didnt give permission/consent to be added to my credit report. Also, payment was accepted so it should not be on my credit report. 



XXXX XXXX NamesXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : Names : XXXX XXXX XXXX XXXX XXXX Accounts XXXX Late payments on XXXX  XXXX  accounts that are inconsistent across all 3 bureaus and no permission/consent given from me allowing this. According to UCC, once a company accepts payment for an account its like that late never happened therefore should not be on my credit. 

Late payment on XXXX XXXX and XXXX XXXX that I didnt give permission/consent to be added to my credit report. Also, payment was accepted so it should not be on my credit report. 

I expect immediate action to be taken in response to this incident, including the following : A description of the steps you are taking to mitigate the effects of the breach, including any measures to prevent future occurrences A request for a thorough investigation into the breach, along with notification of any third parties or organizations that may have been impacted. 

A clear timeline outlining when I can expect resolution and additional information regarding my compromised personal data. 

As a customer of XXXX, I have trusted your services to maintain the confidentiality and integrity of my personal data. Given the severity of this issue, I urge you to prioritize the resolution of this matter and ensure that I am kept informed of all developments. 

Please acknowledge receipt of this grievance and provide a prompt response outlining the actions you will take to resolve this situation. I look forward to your timely response and a resolution that safeguards my personal information moving forward.

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