Consumer complaint received 2024-08-12 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: MN

Complaint narrative:
To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX XXXX XXXXXXXX - Only your bureau is reporting THIS ACCOUNT! Please remove this right away! 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX - " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. '' XXXXXXXX XXXX XXXX XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX - XXXX - " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. '' Listed below are the Inquiries that are being challenged : XXXX XXXX - XXXX Unauthorized hard pull, where did you get this misleading information? This is unfair! The law requires that I have proof of a permissible purpose for any information within my report. Therefore, Im requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unauthorized hard pull, where did you get this misleading information? This is unfair! The law requires that I have proof of a permissible purpose for any information within my report. Therefore, Im requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX XXXX - XXXX Unauthorized hard pull, where did you get this misleading information? This is unfair! The law requires that I have proof of a permissible purpose for any information within my report. Therefore, Im requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX XXXX XXXX - XXXX Unauthorized hard pull, where did you get this misleading information? This is unfair! The law requires that I have proof of a permissible purpose for any information within my report. Therefore, Im requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX XXXX - XXXX Unauthorized hard pull, where did you get this misleading information? This is unfair! The law requires that I have proof of a permissible purpose for any information within my report. Therefore, Im requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX XXXX XXXX - XXXX Unauthorized hard pull, where did you get this misleading information? This is unfair! The law requires that I have proof of a permissible purpose for any information within my report. Therefore, Im requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX XXXX XXXX XXXX XXXXXXXX Unauthorized hard pull, where did you get this misleading information? This is unfair! The law requires that I have proof of a permissible purpose for any information within my report. Therefore, Im requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX XXXX XXXX XXXX XXXXXXXX Unauthorized hard pull, where did you get this misleading information? This is unfair! The law requires that I have proof of a permissible purpose for any information within my report. Therefore, Im requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX XXXX XXXX - XXXX Unauthorized hard pull, where did you get this misleading information? This is unfair! The law requires that I have proof of a permissible purpose for any information within my report. Therefore, Im requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unauthorized hard pull, where did you get this misleading information? This is unfair! The law requires that I have proof of a permissible purpose for any information within my report. Therefore, Im requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE!

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