Consumer complaint received 2024-01-01 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: OH

Complaint narrative:
Dear XXXX, XXXX, and EXPERIAN My information was exposed in a Caresource data breach The Accounts Below Violate My Rights and the FCRA!!! DELETE IMMEDIATELY, OR I WILL TAKE LEGAL ACTION AND FINE YOU {$1000.00} FOR EACH VIOLATION IN COURT!!! 
XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 



XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF ASAP. 
THESE ARE FCRA VIOLATIONS, AND I DEMAND ALL CREDIT BUREAUS TO UPDATE MY INFORMATION IMMEDIATELY TO, OR ELSE I WILL FINE YOU {$1000.00} PER FCRA VIOLATION!!! 
BELOW ARE THE XXXX LAWS THAT YOU XXXXXXXX XXXX BROKE AND YOU NEED TO REMOVE THIS STUFF FROM MY REPORT NOW! 
Fair Credit Reporting Act ( FCRA ) : The FCRA regulates credit reporting agencies and requires them to ensure that the information they report is accurate and up-to-date. If a consumer disputes an item on their credit report and it is found to be inaccurate or outdated, the credit bureau is required to remove it. 
XXXX XXXX Billing Act ( FCBA ) : The FCBA provides protections for consumers who dispute billing errors on their credit card statements. If a billing error is found, the creditor is required to correct it and update the credit reporting agencies. 
Fair Debt Collection Practices Act ( FDCPA ) : The FDCPA regulates the practices of debt XXXX and prohibits them from engaging in abusive, deceptive, or unfair practices. If a debt collector violates the FDCPA, the consumer may be able to seek damages and have the negative information removed from their credit report. 
Uniform Commercial Code ( UCC ) : The XXXX provides guidelines for transactions involving goods and commercial transactions, and protects consumers from unfair business practices. The XXXX also provides remedies for consumers who have been harmed by these practices. 
Consumer Financial Protection Bureau ( CFPB ) : The CFPB is a federal agency that oversees financial institutions and enforces consumer protection laws. The CFPB has the authority to investigate and take action against entities that violate consumer protection laws. 
XXXX XXXX XXXX Laws : Many states have their own consumer protection laws that offer additional protections to consumers. For example, some states have laws that regulate credit reporting agencies and require them to remove inaccurate information from credit reports. 
The Accounts Below Are 1000 % FCRA Violations and NEEDS TO BE FULLY REMOVED FROM MY XXXX AND EXPERIAN CREDIT REPORT, OR there WILL BE SOME XXXX LEGAL ACTION BEING TAKEN!!!! THESE ACCOUNTS ARE INACCURATE, AND ACCORDING TO THE FCRA, THAT IS XXXX XXXX!!!! SO, REMOVE THE ACCOUNTS LISTED BELOW NOW!!!!! 
Re : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listen up, because I'm about to unleash a torrent of legal wrath upon you. I want to make it abundantly clear that I won't tolerate your sloppy work and flagrant disregard for the law. Under the hallowed authority of FCRA, Section 611, I demand that my credit report be a paragon of accuracy, completeness, and appropriateness. This is non-negotiable. 
I hereby request, nay, demand that you promptly furnish me with all the information necessary to review my credit report. It is your duty to ensure that every single piece of data is in line with the stringent requirements set forth by the FCRA. If you think for XXXX second that I will accept anything less, you've got another thing coming. 
Now, let 's be clear. If you're too XXXX XXXX or simply too XXXX to gather the required information, then do the bare minimum and reopen my dispute. However, this time, I demand that you actually conduct a thorough and proper investigation. No half-hearted attempts or XXXX XXXX will be tolerated. I won't stand idly by while you trample over my rights and tarnish my creditworthiness. 
I expect, no, I demand a swift and timely response from you, outlining the precise steps you will take to rectify this gross injustice. Don't even think about stalling or brushing me off, because I won't hesitate to invoke my rights under FCRA, Section 616. That's right, I will take legal action against you and expose your despicable practices for the world to see. 
Furthermore, I'll have you know that I am well-versed in the consumer laws that protect me from the likes of you. I have the FCRA, the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and a host of other deeply-rooted statutes firmly on my side. So don't underestimate me or think for a moment that I won't back up my words with formidable legal action. 
In fact, let 's delve into the Unified Commercial Code ( XXXX ) while we're at it. Rest assured, I have studied and internalized its provisions, and I am ready to wield its mighty arsenal against your flagrant violations. I will hold you accountable under XXXX Sections XXXX, XXXX, XXXX, and XXXX, just to name a few. Your unlawful actions will not go unpunished. 
Let this be a final warning : correct the erroneous information on my credit report immediately, or face the full fury of the law. I will not back down, I will not be silenced, and I will not rest until justice is served. The choice is yours, credit bureau. Do the right thing or prepare to face the consequences of your malevolent actions. 
The inquiry was not authorized Please remove this inaccurate information from my credit report. 
Yours unyieldingly, XXXX XXXX WHEN DONE WITH YOUR INVESTIGATION, I WILL NEED A FULL UPDATE SENT BACK TO ME FROM EXPERIAN XXXX AND XXXX I am looking for a lawyer to represent me in suing Caresource out of XXXX, XXXX for exposing my information in a XXXX data breach. Please call me at XXXX.

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