Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX for XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX. Customer Data Security Breach Litigation ; Case XXXX Violations of : Permissible Purpose : 15 USC 1581b Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) Responsibilities of Furnishers : 15 USC 1681s-2 I have never given consent or permission to report or share any information about me. Under the Gramm-Leach-Biley Act ( 15 USC 6801-6802 ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, electronically or in writing. 
There is no legal proof supporting the accuracy of these marks, and they have not been properly verified. 

The unauthorized accounts linked to my Name, Social Security number, and Personal information are : XXXX XXXX XXXX : Balance : {$16000.00} : Open Date : XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX : Balance : {$1100.00} : Open Date : XXXX. XXXX, XXXX XXXX XXXX : Balance : {$1200.00} : Open Date : XXXX XXXX, XXXX XXXX & XXXX : Balance : {$290.00} : Open Date : XXXX XXXX, XXXX XXXX XXXXXXXX  XXXX : XXXX : XXXX : {$2500.00} : Open Date : XXXX. XXXX, XXXX XXXX XXXX  XXXX : XXXX : Balance : {$2500.00} : Open Date : XXXX. XXXX, XXXX Hard Inquiry : XXXX XXXX : Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : Inquiry : XXXX XXXX, XXXX ; XXXX  : Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  : Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : Inquiry : XXXX. XXXX, XXXX : XXXX XXXX XXXX : Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX : Inquiry : XXXX. XXXX, XXXX : XXXX XXXX XXXX  : Inquiry : XXXX XXXX, XXXX & XX/XX/XXXX There has been absolutely no legal proof provided to substantiate the marks on my credit report. I have not signed any wet signature application or contract that would legally authorize the reporting of this information. Furthermore, I have not granted your agency any authority to access or report information about me under the Fair Credit Reporting Act ( FCRA ), which explicitly requires a permissible purpose for such actions. Additionally, I want to highlight that this situation has been worsened by data breaches that grossly mishandled and exposed my sensitive personal information, which your agency continues to misuse. Failure to comply with this demand will leave me no choice but to initiate legal action. 
I am aware of my rights under federal law and will pursue every remedy available under the FCRA and the Consumer Financial Protection Act ( CFPA ) for the following violations : Negligent or willful violations of the FCRA, which could result in statutory damages of up to {$1000.00} per violation, in addition to attorneys fees and punitive damages, as provided by 15 U.S.C. 1681n and 15 U.S.C. 1681o. I will escalate my complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for your repeated failure to comply with federal reporting obligations. I also demand that you refrain from reinserting these fraudulent accounts into my credit file under 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) without prior written notice to me, as required by law.

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