Consumer complaint received 2024-08-23 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to bring to your urgent attention a severe breach involving the compromise of my Social Security number, which has resulted in identity theft and unauthorized reporting on my credit file. I have already taken the necessary steps by filing an FTC Report, a copy of which is enclosed. Under 15 U.S.C. 1681c-2 ( c ) ( a ), you are legally mandated to block and remove all information related to this identity theft from my credit report. This statute requires that you take immediate action within four business days of receiving a complaint with the necessary documentation. Below, I have outlined the fraudulent accounts that must be deleted without delay : 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 already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. '' 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 already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. '' XXXX XXXX XXXX XXXX XXXXXXXX - " 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 already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX 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 already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. '' 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 already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX 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 already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. '' 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 already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX 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 already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, 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 already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. '' 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 already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. '' XXXX XXXXXXXX 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 already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. '' Listed below are the Inquiries that are being challenged : XXXX - XXXX XXXX XXXX Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX - XXXX XXXX XXXX Pull! Please refer to Section XXXX of the FCRA. I demand immediate DELETION from my credit report. 

XXXX - XXXX XXXX XXXX Pull! Please refer to Section XXXX of the FCRA. I demand immediate DELETION from my credit report. 

XXXX - XXXX XXXX XXXX Pull! Please refer to Section XXXX of the FCRA. I demand immediate DELETION from my credit report. 

XXXX - XXXX XXXX XXXX Pull! Please refer to Section XXXX of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX Unauthorized Hard Pull! Please refer to Section XXXX of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX XXXX - XX/XX/XXXX Unauthorized Hard Pull! Please refer to Section XXXX of the FCRA. I demand immediate DELETION from my credit report. 

XXXX - XX/XX/XXXX XXXX XXXX Pull! Please refer to Section XXXX of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX Pull! Please refer to Section XXXX of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX Pull! Please refer to Section XXXX of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX XXXX - XX/XX/XXXX Unauthorized Hard Pull! Please refer to Section XXXX of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX Pull! Please refer to Section XXXX of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX Pull! Please refer to Section XXXX of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX Pull! Please refer to Section XXXX of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX Pull! Please refer to Section XXXX of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX Pull! Please refer to Section XXXX of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX Pull! Please refer to Section XXXX of the FCRA. I demand immediate DELETION from my credit report. 

XXXX - XX/XX/XXXX XXXX XXXX Pull! Please refer to Section XXXX of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX Pull! Please refer to Section XXXX of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX Pull! Please refer to Section XXXX of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX Pull! Please refer to Section XXXX of the FCRA. I demand immediate DELETION from my credit report.

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