Consumer complaint received 2024-09-09 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: MN

Complaint narrative:
To Whom It May Concern, This letter is an immediate, formal demand for rectification of the blatant violations of federal law evident in your actions. I possess an inaccurate copy of my consumer credit report, which I lawfully obtained under my rights as a consumer, as outlined in the Fair Credit Reporting Act ( FCRA ). Let me be crystal clear : the FCRA demands that all information reported must be 100 % accurate, 100 % verifiable, 100 % complete, and reported only within the strictly permissible reporting periods. Anything less is a violation, and I will not tolerate it. I am demanding that you provide undeniable proof that the information on the reported tradeline is 100 % accurate, complete, verifiable, and timely. Failure to do so will result in immediate legal action. The law is on my side, and I am prepared to enforce my rights through any means necessary. 

XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX - You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) By the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney General 's Office, Better Business Bureau, and Federal Trade Commission. 

XXXX - XXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! 

XXXX XXXX XXXX - XXXX You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) By the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney General 's Office, Better Business Bureau, and Federal Trade Commission. 

XXXX XXXX - XXXX You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) By the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney General 's Office, Better Business Bureau, and Federal Trade Commission. 

XXXXXXXX XXXX XXXX  - XXXX You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) By the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney General 's Office, Better Business Bureau, and Federal Trade Commission. 

XXXXXXXX XXXX XXXX - XXXX You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) By the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney General 's Office, Better Business Bureau, and Federal Trade Commission. 

XXXX XXXX XXXX  - XXXX You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) By the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney General 's Office, Better Business Bureau, and Federal Trade Commission. 

XXXXXXXX XXXX XXXX - XXXX You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) By the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney General 's Office, Better Business Bureau, and Federal Trade Commission. 

XXXX XXXX XXXX - XXXX You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) By the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney General 's Office, Better Business Bureau, and Federal Trade Commission. 

Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX - XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX - XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX  - XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX - XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX  - XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY XXXX - XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX - XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX - XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY

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