Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To Whom It May Concern, As a consumer, I sternly request full disclosure of the comprehensive measures your agency undertook to ensure the absolute accuracy of the items listed under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency must furnish a consumer with a detailed account as referenced in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notification indicating that a consumer, upon request, is entitled to a breakdown of the process utilized to ascertain the correctness and entirety of the information. The agency is mandated to disclose the name and address of any data furnisher contacted regarding the said information, along with the contact number of such entity, if feasible, within 15 days after the consumer 's inquiry. After my earlier communication with your organization concerning my status as a victim of a Data Breach/Identity Theft, I promptly sought redress by reaching out to the Federal Trade Commission and lodging an FTC Report , copies of which are available. I STRONGLY INSISTED on the immediate blocking and removal of all erroneous entries from my credit report, along with the provision of an updated credit report. Regrettably, the specified items continue to reflect on my credit report, necessitating urgent attention from your end. Furthermore, under 15 USC 1681c-2 c ( a ), it is incumbent upon the credit reporting agency to expeditiously block and expunge any disputed information relating to identity theft within a timeline of 4 business days upon receipt of a formal grievance comprising the details listed below. Additionally, I urge for the provision of the documentation utilized to authenticate the invalidated entries in question. I previously contacted your company to inform you that I am a victim of a Data Breach/ Identity Theft. I also contacted the Federal Trade Commission and filed an FTC Report which is attached. I DEMANDED to please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : 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 on this payment history. Else, DELETE this account immediately! 

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 on this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXXXXXX - 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 on this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXXXXXX 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 on this payment history. Else, DELETE this account immediately!

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 non-monetary relief