Consumer complaint received 2024-08-27 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: MN

Complaint narrative:
To Whom It May Concern, I am writing to notify you of an extremely serious issue : my Social Security number has been compromised, resulting in identity theft and a subsequent data breach. I have taken the necessary steps by contacting the Federal Trade Commission and filing an official FTC report, which is enclosed with this letter. Under 15 USC 1681c-2 ( c ) ( a ), you are legally required to block and remove all fraudulent information related to this identity theft from my credit report without delay. The law mandates that your agency address such requests within four business days of receiving a complaint that includes the relevant documentation. 

XXXX XXXX XXXX XXXX XXXX XXXX - Accounting Error! How can there be a " Past Due- 30 Days Count '' when it clearly shows all " OK '' in the payment history? You are contradicting your claim. This is a violation and must be removed! Correct this at once! Also, By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney General 's 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 have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX and Federal Trade Commission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX - XXXX How many times do I got write to y'all before you take off this unauthorized hard pull from my credit report? This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP! 

XXXX XXXX XXXX - XXXX How many times do I got write to y'all before you take off this unauthorized hard pull from my credit report? This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP! 

XXXX XXXX XXXX - XXXX How many times do I got write to y'all before you take off this unauthorized hard pull from my credit report? This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP! 

XXXX XXXX XXXX How many times do I have to write to y'all before you take off this unauthorized hard pull from my credit report? This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP! 

XXXX XXXX XXXX How many times do I got write to y'all before you take off this unauthorized hard pull from my credit report? This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP! 

XXXX XXXX XXXX - XXXX How many times do I got write to y'all before you take off this unauthorized hard pull from my credit report? This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP! 

XXXX XXXX XXXX - XXXX How many times do I got write to y'all before you take off this unauthorized hard pull from my credit report? This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP! 

XXXX XXXX XXXX XXXX XXXX How many times do I got write to y'all before you take off this unauthorized hard pull from my credit report? This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP! 

XXXX XXXX XXXX - XXXX How many times do I got write to y'all before you take off this unauthorized hard pull from my credit report? This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP! 

XXXX XXXX XXXX  How many times do I got write to y'all before you take off this unauthorized hard pull from my credit report? This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP! 

XXXX XXXX XXXX - XXXX How many times do I got write to y'all before you take off this unauthorized hard pull from my credit report? This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP! 

XXXX XXXX XXXX XXXX XXXX  How many times do I got write to y'all before you take off this unauthorized hard pull from my credit report? This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP! 

XXXX XXXX - XXXX How many times do I got write to y'all before you take off this unauthorized hard pull from my credit report? This company got a copy of my consumer report without my okay or any legal reason, which breaks the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. The FCRA says,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This is a straight-up violation of my privacy, and I'm upset about it. Remove this from my report ASAP!

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