Consumer complaint received 2025-01-06 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: MO

Complaint narrative:
Dear XXXX XXXX XXXX : As I already reported via telephone and in writining, I am the victim of identity theft AND OR DATA BREACH FROM THREE COMPANYS. I am writing to dispute I am a victim of identity theft, and I did not make these chsrges. I am requesting that the these accounts be removed/DELETED that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 

ADDRESS NEED TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ACCOUNTS TO BE REMOVED : XXXXXXXX XXXX XXXX XXXX- ACCT XXXX XXXX XXXX. {$44000.00} XXXX XXXX- # XXXX BAL. {$15000.00} XXXX XXXX  XXXX ACCT XXXX XXXX BAL. {$24.00} XXXX ACCT # XXXX BAL. {$33000.00} XXXX XXXX  XXXX  # XXXX BAL. {$2500.00} XXXX XXXX  XXXXXXXX XXXX- ACCT XXXX XXXX BAL. {$28000.00} XXXX XXXX  XXXX XXXX XXXX XXXX BAL. {$3500.00} XXXX XXXX- ACCT # XXXX BAL. {$12000.00} XXXX XXXX  XXXX ACCT # XXXX BAL. {$1300.00} XXXX. XXXX XXXX- ACCT # XXXX BAL. {$260.00} XXXX. XXXX XXXX- ACCT # XXXX BAL. {$2600.00} Pursuant to federal law, I am requesting that you remove all accounts/delelte from all my credit reports.

15 U.S.C. 1681 is a section of the Fair Credit Reporting Act ( FCRA ) that establishes the purpose and congressional findings of the act. The FCRA is a law that governs access to consumer credit reports and aims to promote the accuracy, fairness, and privacy of personal information.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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