Consumer complaint received 2024-06-14 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: NY

Complaint narrative:
I am writing to file a complaint regarding the compromising of my Social Security number, which has led to identity theft and unauthorized entries on my credit report. I have already filed a report with the Federal Trade Commission ( FTC ), a copy of which is attached for your reference. 

Details of the Complaint FTC Report Reference Number : XXXX Unauthorized Accounts and Inquiries : XXXX Card account ending in XXXX has been reported without my authorization. This constitutes a violation of 15 U.S. Code 1681b, as I did not provide written instructions for this information to be included in my consumer report. I request immediate removal of this account. 
XXXX Card - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has also been reported without my consent, violating 15 U.S. Code 1681b. I demand that this account be removed from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has been included in my credit report without my permission. This is another instance of non-compliance with 15 U.S. Code 1681b, and I request its removal. 
XXXX XXXX XXXX - XX/XX/year> There is a XXXX XXXX inquiry dated XX/XX/year> on my credit report that was made without my consent as part of identity theft. Please remove this inquiry and provide me with any documentation you have regarding this account to assist in my investigation. 
Legal Violations The unauthorized reporting and inquiries listed above have caused significant harm to my credit report and personal well-being. The following legal violations have occurred : Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o - Civil liability for negligent non-compliance Violation of 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports Violation of 15 U.S. Code 1681i ( 7 ) - Method of verification Violation of 15 U.S. Code 1681a ( 4 ) - Right to privacy Violation of 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I request the immediate blocking and removal of all unauthorized information from my credit report as stipulated under 15 U.S. Code 1681c-2 ( c ) ( a ). I expect a response within the mandated 4 business days upon receipt of this complaint. Please provide me with an updated copy of my credit report reflecting these changes.

I am seeking urgent resolution to this matter and demand compliance with federal law. Should you fail to address these violations satisfactorily, I will pursue legal action for damages amounting to {$1000.00} per violation as per 15 U.S. Code 1692k.

Thank you for your prompt attention to this critical issue.

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