Consumer complaint received 2025-09-22 00:00:00
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.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number:XXXX, Consumer Date Of Birth : XX/XX/scrub>XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C 1681c-2 ) that Transunion, Equifax and Experian credit reporting agencies, block information from appearing on my consumer credit reports that is a result of identity theft and fraud within 4 business days of you receiving this complaint. The listed items below are fraudulent, inaccurate and false information. Credit Reporting Agencies failed to show " METHOD OF VALIDATION and my written '' PERMISSIBLE PURPOSE '' of dispute without providing validation of each step made in the investigation to the consumer. I did not give my permissible purpose to furnish information to my consumer report. The aforementioned accounts connected to my information was compromised in two data breaches.Transactions and experiences between the consumer and the person furnishing the report should not be furnished on my consumer report. Per FCRA 15 U.S.C. 1681a ( 2 ) ( a ) ( i ) Account info and Payment history constitutes as transactions and experiences between me as the consumer and reporting agency or person that is furnishing the report. The FCRA states a consumer must have clear and conspicuous understanding of disclosures before any agency furnish information to a consumer report. Exposure of Account Info and Payment history on non-government, private for profit credit reporting agencies can expose a thief enough information to commit fraud and per FCRA I have the right to privacy within the FCRA and FDPCA laws and standards. The aforementioned accounts and items in affidavit and listed below is causing financial harm to my consumer report through identity theft and fraud please cease communication and reporting ASAP. 1. DEPT OF EDUCATIONXXXX XXXX ACCT # XXXX. Opened these separate dates XXXX. These fraudulent entries thats appearing on my consumer report that is maintained by you were not furnished, made or initiated by me and pursuant to FCRA 605b I did not give my written or verbal or written permissible purpose to do so. ALL of the aforementioned entries is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned entries listed above are the result of identity theft and fraud. I have attached 3 forms of identity validation with this federal complaint that can also be used to validate my information in the data breach database. Failure to rectify this situation within 4 days will be the result of willfull non compliance pursuant FCRA ( 15 U.S.C 1681o ). Done In Good Faith-All Rights Reserved-Without Prejudice-Non Assumpsit.

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