Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Personal Statement I XXXX XXXX XXXX give CFPB authorization to act as me in this matter My information was exposed in the data breach with XXXX, XXXX XXXX Experian and XXXX and also i have been XXXX  while this fraudulent accounts in inquiries was placed on my credit report these Fraudulent accounts and inquiries must be investigated and removed under 15 U.S.C 1681-2 ( B ) XXXX XXXX XXXX and XXXX XXXX XXXX XXXX credit card XXXX $ limit, accounts, inquiries XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, all the above inquiries and account our fraudulent and should be removed from my XXXX XXXX and Experian and XXXX I have been exposed to the data breaches my information and identity was stolen as well please remove this fraudulent inquiries and account under fair credit reporting Act 15 UFC 1681 ( 1 ) ( 2 ) ( 3 ) ( 4 ). The XXXX XXXX XXXX is also reporting different information on each credit bureau on XXXX reporting XXXX 30 day late payment, on Experian its reporting XXXX 30 day late payments, on XXXX these no late payments reporting at all, however theses accounts are reporting to many inconsistencies and must be removed from my credit report 15 U.S.C. 1681i Procedure in case of disputed accuracy status cited 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Also I wasnt never notified by mail, email nor any phone call to inform me that a account, inquiry, late payment was being placed on my credit report which is a violation under the statute 15 U.S. Code 1679c - Disclosures and 15 USC 1637nRequires creditors to disclose the late payment deadline and fee on the billing statement, however I was never notified about any late payments because this account is not mine, 15 U.S. Code 1666b - Timing of payments a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date, being that this account is not mine and fraudulent I was unable to receive any information about these accounts which violates the 15 U.S. Code 1666b - Timing of payments status which why this XXXX XXXX XXXX and XXXX XXXX XXXX XXXX credit cards and all unauthorized inquiries must be removed immediately from my credit report along with any other negative remarks because they all resulted from identity theft and fraud 15 U.S. Code 1681c2 - Block of information resulting from identity theftb ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( XXXX ) that the information may be a result of identity theft ; I have also wrote the card companies informing them to verify the debt but yet to here back from them and its been 6 months 15 U.S. Code 1692g - Validation of debts b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. Ive been waiting over 6 month and still no response from the card companies the 15 U.S. Code 1681a - Definitions ; rules of construction is violated. Im also looking for a response soon 15 USC 1681i ( a ) 1 challenges the 30 day response time from all the credit bureaus, and it should be noted here that Experian in XXXX has not been to proper investigations and are being sued for not doing their due diligence 15 USC 1681i ( a ) 6 ( B ) 3 challenges investigation protocol and also be reported and re : reporting accounts once removed 15 USC 1681i ( a ) ( 5 ) B challenges reinsertion protocols. Due to me being a victim of the data breach it resulted into these negative and unauthorized information and inquiries.15 U.S.C . 1681 which is my right to privacy which have be violated and these accounts and inquiries must be removed immediately thank you.

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