Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I, XXXX XXXX XXXX, a natural-born person and not a third party, am submitting this complaint regarding Experians failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to the deletion of fraudulent accounts, unauthorized hard inquiries, and incorrect personal information listed on my credit report. 

I have been a victim of identity theft, which has been exacerbated by the XXXX data breach, along with breaches at XXXX XXXX XXXX and XXXX, in which my personal information was compromised. Despite my disputes, Experian has failed to act within the time frames mandated by law, violating my rights as a consumer. For your review, I have enclosed my notarized Identity Affidavit, along with an FTC Identity Theft Report and proof of identity, to substantiate my claims. 

Key Timeline : Initial Dispute : Filed on XX/XX/XXXX Follow-up Dispute : Filed on XX/XX/XXXX Despite being informed by a representative from Experian that the fraudulent accounts and unauthorized inquiries would be deleted due to my victim status in the data breach, no action has been taken, and I have not received any response to my follow-up communication. 

Key Issues : Fraudulent Accounts : The following accounts were opened fraudulently without my consent : XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) Unauthorized Hard Inquiries : The following hard inquiries were conducted without my consent : XXXX  XXXX XXXX XXXX  ( Inquiry dates : XX/XX/XXXX & XX/XX/XXXX ) XXXX XXXX XXXX ( Inquiry date : XX/XX/XXXX ) XXXX XXXX  XXXX ( Inquiry dates : XX/XX/XXXX & XX/XX/XXXX ) XXXX XXXX XXXX ( Inquiry date : XX/XX/XXXX ) Incorrect Personal Information : There are inaccuracies in my credit report regarding my past addresses and employment history : Incorrect address : XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX Incorrect employer : XXXX XXXX and EMPLOYED Correct employer information is XXXX XXXX and XXXX. 
XXXX Data Breach Impact : As a victim of the XXXX XXXX data breach, my personal information, including my Social Security number, was exposed and used in fraudulent activities. Despite being vigilant about protecting my identity, the data breach significantly increased my vulnerability to identity theft. My compromised information has been used to open fraudulent accounts and inquiries on my credit report, which are directly linked to the breach. 

Additionally, I have been a victim of other major data breaches, including those at XXXX XXXX XXXX and XXXX, further compounding the issue. These breaches have resulted in unauthorized activity on my credit report, which Experian has failed to resolve despite multiple disputes. 

Applicable Laws Violated : FCRA Section 605B ( 15 U.S.C. 1681c-2 ) : As a victim of identity theft, I am entitled to have fraudulent accounts and inaccurate information blocked within four days of reporting. Despite my detailed disputes, Experian has failed to block or remove these accounts and inquiries in violation of Section 605B.

FCRA Section 605C : The fraudulent accounts and inquiries should have been deleted within four business days of my initial dispute. This delay in removing inaccurate information is a clear violation of my rights under Section 605C.

15 U.S. Code 1681b : Experian unlawfully allowed my consumer report to be accessed without my written consent, as required under 15 U.S. Code 1681b. The fraudulent inquiries must be removed as they were conducted without my authorization.

18 U.S.C. 1028A : The fraudulent accounts and identity theft situation also constitute aggravated identity theft, which is a federal crime. I have enclosed proof of identity theft through my notarized Identity Affidavit, FTC Identity Theft Report, and proof of identity. 

Impact on My Life : This unresolved identity theft and Experians failure to remove fraudulent items have caused severe financial hardship. My creditworthiness is significantly impacted, preventing me from obtaining a mortgage for my family. I am also preparing for XXXX overseas, and this has added unnecessary stress during this critical time.