Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10679594
Complaint Overview
Complaint ID: 10679594
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Texas
ZIP Code: 76227
Date Received: 2024-11-03T12:00:00-05:00
Date Sent to Company: 2024-11-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to notify you of a serious issue concerning the compromise of my Social Security number. I am a victim of identity theft. I have reported this incident to the Federal Trade Commission, and a copy of the filed complaint is attached for your reference. I request that you immediately block and delete all fraudulent information from my credit report and provide me with an updated copy of the report. The following items were opened fraudulently and are not authorized by me : Accounts : ( XXXX XXXX, Account Number : XXXX ) ( XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Account Number : XXXX ) ( XXXX XXXX XXXX, Account Number : XXXX ) ( XXXX, Account Number : XXXX ) ( XXXX XXXX, Account Number : XXXX ) ( XXXX, Account Number : XXXX ) ( XXXX XXXX, Account Number : XXXX ) ( XXXX XXXX XXXX, Account Number : XXXX ) Inquiries : ( XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and remove these fraudulent items within 4 BUSINESS DAYS of receiving this request. If you fail to act appropriately, I will be forced to pursue a small claims lawsuit against your agency. I will be seeking statutory damages of {$1000.00} for each violation, which may include but are not limited to the following : 1. Defamation of character 2. Negligent facilitation of identity fraud 3. Violations of the Fair Credit Reporting Act 4. Civil liability for negligent non-compliance ( 15 U.S.C. 1681o ) 5. Civil liability for willful non-compliance ( 15 U.S.C. 1681n ( b ) ) 6. Failure to comply with 15 U.S.C. 1692 ( g ) 7. Violations under 15 U.S.C. 1681b Permissible purposes of consumer reports 8. Violations of the method of verification ( 15 U.S.C. 1681i ( 7 ) ) 9. Right to privacy violations ( 15 U.S.C. 1681a ( 4 ) ) 10. Violations relating to the contents of consumer reports ( 15 U.S.C. 1681c ) I take this matter very seriously and demand immediate action to block and remove these fraudulent accounts from my report. I expect to receive an updated copy of my credit report sent to my address at no cost to me, as required by law. Additionally, I request that you notify any recipients of my credit report in the past six months of these corrections. Thank you for your immediate attention to this matter. I look forward to your swift response. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #10679594 about?
Complaint #10679594 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-11-03T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.