Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #9961275

Complaint Overview

Complaint ID: 9961275

Company: Experian Information Solutions INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a company's investigation into an existing problem

Sub-Issue: Their investigation did not fix an error on your report

State: Minnesota

ZIP Code: XXXXX

Date Received: 2024-08-27T12:00:00-05:00

Date Sent to Company: 2024-08-27T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

To Whom It May Concern, I am writing to notify you of an extremely serious issue : my Social Security number has been compromised, resulting in identity theft and a subsequent data breach. I have taken the necessary steps by contacting the Federal Trade Commission and filing an official FTC report, which is enclosed with this letter. Under 15 USC 1681c-2 ( c ) ( a ), you are legally required to block and remove all fraudulent information related to this identity theft from my credit report without delay. The law mandates that your agency address such requests within XXXX business days of receiving a complaint that includes the relevant documentation. XXXX XXXX XXXX XXXXXXXX - This account was paid on time and paid as agreed! This is a violation of XXXX XXXX CODE XXXX. It was never late, so delete this XXXX late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in written instructions of the consumer to whom it relates. Again, remove this XXXX incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report. XXXX XXXX - XXXX - This account was paid on time and paid as agreed! This is a violation of 15 U.S. CODE 1666B. It was never late, so delete this XXXX late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in written instructions of the consumer to whom it relates. Again, remove this XXXX incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report. XXXX XXXX XXXX XXXX XXXXXXXX - My personal information was impacted by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! XXXX XXXX XXXX XXXX XXXX XXXXXXXX - This account was paid on time and paid as agreed! This is a violation of 15 U.S. CODE 1666B. It was never late, so delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. Again, remove this XXXX incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report. XXXX XXXX XXXX XXXX XXXXXXXX - My data was affected by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC. XXXX - XXXX - My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! Bankruptcy - XXXX - The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with XXXX XXXX credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate. Listed below are the Inquiries that are being challenged : XXXX XXXX - XXXX My Identity was stolen, my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report!

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