Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To : XXXX, XXXX, Experian Subject : Dispute of Inaccurate Accounts and Demand for Proof of Identity Verification Dear Sir/Madam, I am writing to inform you that I am a victim of your data breach and that I do not recognize the following accounts reported on my credit file as belonging to me : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Bankrupt XXXX XXXX Bankrupt - XXXX As a consumer, I am protected under several laws regarding my privacy, including the Privacy Act of 1974, the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Family Educational Rights and Privacy Act ( XXXX ). I am exercising my rights under these statutes and demand the following : Proof of Evidence : As per 15 USC 1681, I request certified copies of all evidence showing that the information being furnished is 100 % mine for each and every account. I want the certified original documents of each application for each account with my wet ink signature. I require full documentation showing how my identity was verified, including who identified my identity, how they verified it, when they spoke to this person, and details of how this person knows me, including names, emails, dates, and individuals contacted for each account. This includes any third-party verification entities used in confirming my identity and what they used to verify it. I request full disclosure of all information, including certified application documents with my handwritten wet ink signature, the names of witnesses with first-hand knowledge of the alleged debt, and accounts that can confirm my identity at the time these accounts were created. 

FCRA Compliance : According to 15 USC 1681 section 602 ( a ), consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Furthermore, 15 USC 6801 states that financial institutions must protect the privacy and security of customers personal information. Neither XXXX nor Experian has my consent to furnish this information, and any implied or written consent is hereby revoked as per 15 USC 1681 section 604 ( a ) ( 2 ). 

Failure to Notify and Violation of Privacy Rights : Under 15 USC 6802 ( b ) ( c ), I was never informed of my right to opt-out of data sharing with non-affiliated third parties. Furthermore, as per 15 USC 1681c ( a ) ( 5 ), adverse items, such as these accounts, should not be reported without my consent. The failure to notify me and the reporting of adverse information constitutes a violation of my privacy rights. Please send me all account correspondence for each account, including each letter for each account stamped with a date, certified and notarized. If letters were not sent, please explain why, including the address they were sent to and the name of the recipient. 

Investigation Details : Under 15 U.S. Code 1681s2, if a consumer reporting agency knows or has reasonable cause to believe that the information being reported is inaccurate, they must cease reporting it. I demand to know the names, badge numbers, and contact information of each individual who physically investigated each account to verify the accuracy of the information. I also request receipts of all correspondence sent to me regarding these adverse accounts within the required XXXX notification window. 

Opt-Out Request : Per XXXX CFR XXXX, I am exercising my right to opt-out of your reporting services effective immediately. 

Sworn Affidavit : I demand a sworn affidavit under penalty of perjury confirming that no laws of the FCRA or XXXX have been violated and that all information furnished is 100 % accurate. 

Written Consent : Please provide me with the written instructions, including each credit reporting agency 's permission to furnish information on my consumer report per FCRA 1681b. This document should be a certified copy with my wet ink signature. 

Please provide the requested information and evidence within XXXX days of receipt of this letter as required by the FCRA. If I do not receive a satisfactory response, I will take further action to protect my rights. I demand an updated credit report with all accounts remvoed from my consumer report if you do not meet each and every demand, for the burden of proof is on the credit reporting agencies. I will seek legal matters if you are negligent and willful non compliance with the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response.

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