Consumer complaint received 2024-06-23
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. (TX)

Subject : Complaint Regarding Identity Theft and Credit Reporting Violations Consumer Financial Protection Bureau Complaints Division XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am filing a formal complaint regarding identity theft and subsequent violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) against Experian. Despite my efforts to resolve these issues directly with Experian, unauthorized accounts, addresses, and inquiries remain on my credit report, severely impacting my financial stability and personal security. 

What Happened : I discovered unauthorized accounts, addresses, and inquiries on my credit report and promptly reported them to Experian. Despite submitting comprehensive evidence, including an FTC Identity Theft Report ( Report Number : XXXX & XXXX ), Experian has failed to take appropriate action to remove this fraudulent information. This inaction not only violates the FCRA, which mandates accurate and fair credit reporting, but also breaches the GLBA 's requirements for safeguarding consumer information. 

Details of the Incident : Unauthorized Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Impact on Me : Financial Loss : I have suffered financial losses due to fraudulent charges and other activities resulting from identity theft. 

Credit Score Damage : My credit score has been negatively impacted, affecting my ability to secure loans, credit cards, and other financial services. 

Stress and Inconvenience : This situation has caused significant stress and inconvenience. I have invested substantial time and effort in disputing these unauthorized items and placing fraud alerts. 

Actions Taken : I filed an identity theft report with the Federal Trade Commission ( Report Number : XXXX ) and submitted disputes with each credit bureau, including Experian, to remove the unauthorized information. 

Violations : Experian 's failure to safeguard my personal information and allowing fraudulent accounts, addresses, and inquiries to persist on my credit report constitutes violations of the GLBA and FCRA.

Requested Resolution : Given the severity of these violations and their profound impact on my financial stability and personal security, I urgently request the following actions from the Consumer Financial Protection Bureau : 1. Enforcement of Compliance : Ensure Experian complies with the FCRA and GLBA by implementing corrective actions and enhanced security measures to prevent future breaches.

2. Immediate Removal of Unauthorized Information : Mandate the immediate deletion of all unauthorized accounts, addresses, and inquiries from my credit report.

3. Compensation for Damages : Secure compensation for financial losses incurred as a result of identity theft or unauthorized actions, including reimbursement for fees associated with resolving these issues.

4. Provision of Credit Monitoring Services : Require Experian to provide me with free credit monitoring services for at least one year to promptly detect and address any new unauthorized activities.

5. Regular Updates : Ensure that Experian provides regular updates on the progress of resolving the issues and implementing corrective actions.

6. Educational Resources : Offer educational resources or support to enhance my understanding of identity protection and financial security measures. 

Thank you for your attention to this matter. I look forward to your assistance in addressing these serious violations and ensuring Experian adheres to federal regulations. 

Sincerely, XXXX XXXX XXXX XXXX.