Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you 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 XXXX XXXXXXXX - DELETE this medical collection account on my credit report due to illegal disclosure and handling of my medical information, which violates 15 U.S.C. 1681a and 15 U.S.C. 1681b ( 4 ). Violation of 15 U.S.C. 1681a ( 3 ) ( a ) ( b ) ( c ) : Medical information on my credit report was shared inappropriately. The FCRA restricts the sharing of medical information, and the details of this account should not have been disclosed in this manner. Medical information must be kept confidential and used only for the purposes authorized by law. Violation of 15 U.S.C. 1681b ( 4 ) : The collection agency that reported this medical account to the credit bureaus did so in violation of the restrictions on redisclosing medical information. My medical information was disclosed to unauthorized parties and used improperly for collection activities. Remove this medical collection account from my credit report immediately. If this account was reported in violation of the FCRA, it is unlawful and must be deleted from my credit report. Failure to address this issue will result in further legal action to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXXXXXX - DELETE this medical collection account on my credit report due to illegal disclosure and handling of my medical information, which violates 15 U.S.C. 1681a and 15 U.S.C. 1681b ( 4 ). Violation of 15 U.S.C. 1681a ( 3 ) ( a ) ( b ) ( c ) : Medical information on my credit report was shared inappropriately. The FCRA restricts the sharing of medical information, and the details of this account should not have been disclosed in this manner. Medical information must be kept confidential and used only for the purposes authorized by law. Violation of 15 U.S.C. 1681b ( 4 ) : The collection agency that reported this medical account to the credit bureaus did so in violation of the restrictions on redisclosing medical information. My medical information was disclosed to unauthorized parties and used improperly for collection activities. Remove this medical collection account from my credit report immediately. If this account was reported in violation of the FCRA, it is unlawful and must be deleted from my credit report. Failure to address this issue will result in further legal action to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXXXXXX - DELETE this medical collection account on my credit report due to illegal disclosure and handling of my medical information, which violates 15 U.S.C. 1681a and 15 U.S.C. 1681b ( 4 ). Violation of 15 U.S.C. 1681a ( 3 ) ( a ) ( b ) ( c ) : Medical information on my credit report was shared inappropriately. The FCRA restricts the sharing of medical information, and the details of this account should not have been disclosed in this manner. Medical information must be kept confidential and used only for the purposes authorized by law. Violation of 15 U.S.C. 1681b ( 4 ) : The collection agency that reported this medical account to the credit bureaus did so in violation of the restrictions on redisclosing medical information. My medical information was disclosed to unauthorized parties and used improperly for collection activities. Remove this medical collection account from my credit report immediately. If this account was reported in violation of the FCRA, it is unlawful and must be deleted from my credit report. Failure to address this issue will result in further legal action to enforce my rights under the FCRA. 

I did not initiate any of these inquiries. If you believe otherwise, provide me with copies of my written consent. The following items must be removed from my consumer report immediately under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This company has requested and obtained a copy of my consumer report without my consent or a permissible purpose, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. 
Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? ( 15 U.S.C.

1681q ). This conduct has blatantly violated my privacy, and I am extremely upset by this unwarranted invasion. DELETE this unauthorized inquiry from my report immediately! 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This company has requested and obtained a copy of my consumer report without my consent or a permissible purpose, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq.

Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? ( 15 U.S.C.

1681q ). This conduct has blatantly violated my privacy, and I am extremely upset by this unwarranted invasion. DELETE this unauthorized inquiry from my report immediately! 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This company has requested and obtained a copy of my consumer report without my consent or a permissible purpose, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq.

Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? ( 15 U.S.C.

1681q ). This conduct has blatantly violated my privacy, and I am extremely upset by this unwarranted invasion. DELETE this unauthorized inquiry from my report immediately! 

XXXX XXXX - XX/XX/XXXX - This company has requested and obtained a copy of my consumer report without my consent or a permissible purpose, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq.

Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? ( 15 U.S.C.

1681q ). This conduct has blatantly violated my privacy, and I am extremely upset by this unwarranted invasion. DELETE this unauthorized inquiry from my report immediately! 

XXXX XXXX XXXX - XX/XX/XXXX - This company has requested and obtained a copy of my consumer report without my consent or a permissible purpose, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq.

Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? ( 15 U.S.C.

1681q ). This conduct has blatantly violated my privacy, and I am extremely upset by this unwarranted invasion. DELETE this unauthorized inquiry from my report immediately! 


XXXX XXXX XXXX XXXXXX/XX/XXXX This company has requested and obtained a copy of my consumer report without my consent or a permissible purpose, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq.

Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? ( 15 U.S.C.

1681q ). This conduct has blatantly violated my privacy, and I am extremely upset by this unwarranted invasion. DELETE this unauthorized inquiry from my report immediately! 

XXXX XXXX XXXX XXXXXX/XX/XXXX This company has requested and obtained a copy of my consumer report without my consent or a permissible purpose, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq.

Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? ( 15 U.S.C.

1681q ). This conduct has blatantly violated my privacy, and I am extremely upset by this unwarranted invasion. DELETE this unauthorized inquiry from my report immediately! 

XXXX XXXX XXXX XXXXXX/XX/XXXX This company has requested and obtained a copy of my consumer report without my consent or a permissible purpose, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. 
Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? ( 15 U.S.C.

1681q ). This conduct has blatantly violated my privacy, and I am extremely upset by this unwarranted invasion. DELETE this unauthorized inquiry from my report immediately! 

XXXX XXXX XXXX XXXXXX/XX/XXXX This company has requested and obtained a copy of my consumer report without my consent or a permissible purpose, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq.

Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? ( 15 U.S.C.

1681q ). This conduct has blatantly violated my privacy, and I am extremely upset by this unwarranted invasion. DELETE this unauthorized inquiry from my report immediately! 

XXXX XXXX XXXX XXXXXX/XX/XXXX This company has requested and obtained a copy of my consumer report without my consent or a permissible purpose, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq.

Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? ( 15 U.S.C.

1681q ). This conduct has blatantly violated my privacy, and I am extremely upset by this unwarranted invasion. DELETE this unauthorized inquiry from my report 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 explanation