Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8355421

Complaint Overview

Complaint ID: 8355421

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: Credit inquiries on your report that you don't recognize

State: California

ZIP Code: 92109

Date Received: 2024-02-15T12:00:00-05:00

Date Sent to Company: 2024-02-15T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

What is happened is Experian has been excessively usimg my social security number over 30 times per month for the last 5 months with out my consent or without proper documents from SSA. Each time its is iinquired a transaction jas been made and evwry transaction made someone gets paid for thetransaction using my personal private information and I have npt received any benefits from these transactions. The Social Security Administration published the revised Form SSA-89 ( XXXX ) ( Authorization for the Social Security Administration ( SSA ) To Release Social Security Number ( SSN ) Verification ) and Form SSA-88 ( Pre-Approval Form for Consent Based Social Security Number Verification ). Subsection 7 ( b ) specifies the notice that Federal, State, and local agencies are required to give when requesting individuals social security numbers. Pursuant to subsection 7 ( b ), an agency that requests that individuals disclose their social security numbers must notify individuals whether the disclosure is mandatory or voluntary, by what statutory or other authority such number is solicited, and what uses will be made of it. Many state laws restrict the disclosure of SSNs in various circumstances. There are restrictions on businesses and other private entities disclosing SSNs, including civil and criminal penalties for violations. The law requires private parties to safeguard other people 's SSNs from misuse by third parties and failure to do so can lead to civil penalties. Criminal identity theft can involve the misuse of another person 's SSN. Businesses must also disclose if they have been subject to a security breach of computerized data containing SSNs. The law restricts the disclosure of SSNs by government agencies. Restrictions apply to various vital records ( such as marriage licenses and birth and death certificates ), voter registration forms, land records, and motor vehicle records, among others. Generally, these provisions restrict who may access government records containing SSNs or specify permissible uses. For example, municipal tax collectors can identify taxpayers by their SSNs, but can not disclose those SSNs to any other person or state or municipal entity. Below, we summarize state laws that prevent or limit the way private parties or the government can use or disclose SSNs. The penalty for willful violations is ( 1 ) up to a {$100.00} criminal fine for a first offense ; ( 2 ) up to {$500.00} for a second offense; and ( 3 ) up to {$1000.00}, six months in prison, or both, for subsequent offenses. Willful violators are also subject to a civil penalty of {$500.00} for each violation, up to a maximum of {$500000.00} per event ( CGS 42-470 ). Safeguarding Personal Information and Privacy Protection Policy The law requires anyone ( other than state agencies or political subdivisions of the state ) possessing specified personal information, including SSNs, about another person to safeguard the data and computer files and documents containing it from misuse by third parties and to destroy, erase, or make unreadable any document, computer file, or data before disposing of it. A financial institution 's adoption of safeguards that comply with the federal Gramm-Leach-Bliley Act constitutes compliance with this law. Experian never once asked cor my permission or swnr me A written letter with SSA FORM 89. They do not have permission to run my SS number. 300 times tjey know what there doing and know what the laws are. SO Experiam has willinguawd my SS number 450 times so far willingly. Thye ows me {$1000.00} per violation. Thay ia {$45000.00} Experian owes me {$450.00} XXXX dollas up to this piont.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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