Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a federally documented victim of XXXX XXXX and identity theft, and I am under federal witness protection. I am filing this complaint against XXXX XXXX XXXX XXXX XXXX for continuing to report fraudulent student loan accounts that do not belong to me and are causing ongoing, unlawful damage to my credit. 

These fraudulent student loan tradelines have appeared on my Experian, TransUnion, and Equifax credit reports, resulting in : A drop of over XXXX XXXX XXXX points The loss of a {$480000.00} mortgage Denial of housing, forcing me to live in a hotel Severe emotional distress, disruption of my protection protocols, and economic harm I have submitted full legal documentation under the Fair Credit Reporting Act ( FCRA ) and Trafficking Victims Protection Act ( TVPA ) including : A certified victim determination letter from the XXXX XXXX XXXX XXXX My FTC Identity Theft Affidavit A police report A witness protection relocation letter These documents meet the definition of a " victim determination '' under : FCRA 605C ( 15 U.S.C. 1681c-3 ) : Requires blocking of adverse information related to human trafficking FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires blocking of information resulting from identity theft 12 C.F.R. 1022.142 : Regulation implementing trafficking protections FCRA 611 ( 15 U.S.C. 1681i ) : Requires timely reinvestigation and correction of inaccurate information Despite receiving notice through multiple disputes, including CFPB, XXXX, and the credit bureaus, XXXX has refused to block or delete these fraudulent loans. They continue to harm me even though XXXX  and other CRAs have complied with the same documentation. 

This is willful noncompliance in violation of FCRA 616, and I am formally notifying XXXX and XXXX  of my intent to pursue a federal civil lawsuit seeking : Actual damages : {$480000.00} in lost housing, hotel costs, and medical hardship Statutory and punitive damages under FCRA 616 and 617 Treble damages under Georgia law : O.C.G.A. 10-1-393 ( Unfair/Deceptive Practices ) O.C.G.A. 16-9-121 ( Identity Fraud ) I am demanding immediate and permanent : Deletion of all XXXX student loan accounts Written confirmation of compliance under 605C Referral to CFPBs Enforcement Division for systemic FCRA violations This complaint is being preserved for submission to the U.S. Department of Education Ombudsman Group , the Georgia Attorney General, and U.S. District Court if full relief is not granted. 

This dispute is complete and legally sufficient. XXXX and XXXX have already received : A certified victim determination from a government prosecutor ( XXXX XXXX, XXXX  ) An FTC Identity Theft Affidavit A police report A witness protection relocation letter These meet the legal standard of a victim determination under : FCRA 605C and 12 C.F.R. 1022.142 ( c ) ( 1 ) FCRA 605B, including identity theft documentation There is no legal basis under the FCRA for XXXX or XXXX to : Request duplicate documents Delay blocking while " reviewing '' previously submitted proofs Claim insufficiency when the law requires only one valid document The CFPBs own regulations confirm that a single qualifying victim determination is enough to require immediate action. Any further delay is an unlawful stalling tactic and a violation of : FCRA 611 Failure to reinvestigate within 30 days FCRA 616 Willful noncompliance UDAAP ( 12 U.S.C. 5536 ) Unfair, deceptive, and abusive conduct XXXX  and XXXX XXXX XXXX ( see attached ) has already removed all adverse data using the same documentation. XXXX refusal to act is now legally indefensible and appears retaliatory. 
________________________________________________________ Notice of Imminent Federal Legal Action If this matter is not fully resolved within XXXX calendar days, I will be filing a federal civil lawsuit in the U.S. District Court for the XXXX XXXX XXXX Georgia against XXXX, XXXX  XXXX XXXX, and affiliated data furnishers. 

This lawsuit will include claims under : FCRA 605C, 605B, 611, 616, and 617 TVPA ( Trafficking Victims Protection Act ) Georgia state law, including : O.C.G.A. 10-1-393 ( Unfair/Deceptive Acts ) O.C.G.A. 16-9-121 ( Identity Fraud ) I have a signed determination of XXXX XXXX victim status from the XXXX XXXX XXXX XXXX, and I am under federal witness and victim protection. 

This case is also supported by a detective with the XXXX Police Department, who has verified my reports and is aware of the credit-related harm I am experiencing due to unlawful reporting. 

I am demanding that all adverse information be deleted immediately, and that the company preserve all internal records and communications related to my accounts, disputes, and submitted documentation, including : Internal case notes Correspondence with credit bureaus Record of all access, inquiries, or actions related to my file Failure to preserve this data may result in additional spoliation sanctions and legal liability in court. 
____________________________________________________________ These fraudulent student loan accounts are being reported to all three major credit bureaus : Experian TransUnion Equifax I am demanding the immediate and permanent deletion of these XXXX XXXX XXXX tradelines from all three bureaus, as required by : FCRA 605C Adverse information resulting from XXXX XXXX FCRA 605B Identity theft-related data FCRA 611 Duty to reinvestigate and correct There is no legal basis for this data to remain. This complaint is part of a pending enforcement and litigation matter, and I am preserving this record as part of my federal damages claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation