Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal demand for immediate action regarding the inaccuracies and fraudulent items currently reported on my consumer credit report. As per 15 U.S.C. 1681i ( 7 ), I am exercising my right to know all the steps your agency has taken to ensure the accuracy of these items. I demand a detailed description of your reinvestigation procedure, including the business names, addresses, and phone numbers of any furnishers of information you contacted. Previously, I informed your company that I am a victim of a data breach and identity theft. I have filed an FTC report, which is attached for your reference. Despite my clear request to block and remove all fraudulent information from my credit report, the following items remain : I demand the following information used to validate the disputed items : XXXX - XXXX XXXX - XXXX - My data was affected by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC. 

XXXX - XXXX - My data was affected by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC. 

XXXX - XXXX - My data was affected by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC. 

XXXX - XXXX - My data was affected by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC. 

XXXX - XXXX - My data was affected by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC. 

XXXX - XXXX It is imperative to acknowledge that this information could be potentially incomplete, outdated, or lacking proper validation. We kindly request the removal of any inaccurate or unsupported content from this page. 

I did not initiate any of these inquiries. If you believe otherwise, provide me with copies of my written consent. The following items must be removed from my consumer report immediately under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ) : XXXX - XX/XX/XXXX I request that you provide me with documented proof of the reason behind this inquiry, as my personal information must remain protected and accessible only with proper authorization. I trust that you will share my concern and agree that these inquiries are unwarranted on my credit report. 

XXXX - XX/XX/XXXX I request that you provide me with documented proof of the reason behind this inquiry, as my personal information must remain protected and accessible only with proper authorization. I trust that you will share my concern and agree that these inquiries are unwarranted on my credit report. 

XXXX  - XX/XX/XXXX - I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were made without my consent using my personal information. As this is a clear case of identity theft, I request the immediate removal of these items from my credit report. Please provide any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities. 

XXXX - XX/XX/XXXX I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were made without my consent using my personal information. As this is a clear case of identity theft, I request the immediate removal of these items from my credit report. Please provide any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities. 

XXXX XXXX - XX/XX/XXXX I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were made without my consent using my personal information. As this is a clear case of identity theft, I request the immediate removal of these items from my credit report. Please provide any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities. 

XXXX XXXX XXXX  - XXXX I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were made without my consent using my personal information. As this is a clear case of identity theft, I request the immediate removal of these items from my credit report. Please provide any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities. 

XXXX XXXX XXXX - XXXX I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were made without my consent using my personal information. As this is a clear case of identity theft, I request the immediate removal of these items from my credit report. Please provide any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities.

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 non-monetary relief