Consumer complaint received 2025-05-17 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: FL

Complaint narrative:
SUBJECT : Identity Theft Complaint and Violation of the Fair Credit Reporting Act ( FCRA ) XXXX XXXX To Whom It May Concern : This complaint concerns an account being reported to my consumer credit report by XXXX XXXX, which is directly related to identity theft. 

I have submitted a formal Identity Theft Report along with a copy of my government-issued identification and Social Security card as required by 15 U.S.C. 1681c-2. Therefore, under the law, the consumer reporting agenciesExperian, TransUnion, and Equifaxare required to block the fraudulent information from my credit file within 4 business days of receiving the notice and supporting documents. Failure to do so is a clear violation of the FCRA.

Summary of Violations : 1. Failure to Maintain Reasonable Procedures ( 15 U.S.C. 1681 ( b ) ) The FCRA mandates that consumer reporting agencies must adopt reasonable procedures to ensure fairness, accuracy, and confidentiality. The continued reporting of this fraudulent account demonstrates that Experian, TransUnion, and Equifax are not maintaining such procedures, especially after formal notice of identity theft.

2. Improper Reporting of Transactions ( 15 U.S.C. 1681a and 1681c ) The FCRA defines a consumer report as any information that relates to a consumers credit standing, character, or lifestyle. Per 1681a ( d ) ( 2 ) ( A ), any report solely containing transactions or experiences between the consumer and the furnisher is excluded, particularly if the information is not accurate or consented to. Reporting unauthorized transactions or payment history for a debt I do not owe ( i.e., from XXXX XXXX XXXX ) is inaccurate, unauthorized, and unlawful.

3. No Permissible Purpose ( 15 U.S.C. 1681b ) Consumer reporting agencies can only furnish reports under specific permissible circumstances. I did not provide written consent to XXXX, XXXX XXXX, or any consumer reporting agency to report this account. Therefore, this is a violation of the FCRAs permissible use standards.

4. Revocation of Any and All Consent Any alleged consent, whether verbal, written, implied, or non-verbal, to report this account is formally revoked. Any further furnishing of information constitutes willful and negligent noncompliance under 1681n and 1681o.

5. Responsibilities of Furnishers ( 15 U.S.C. 1681s-2 ) XXXX were notified that the account is fraudulent. Furnishers of credit data are prohibited from reporting information they know or reasonably believe to be inaccurate. They must cease furnishing data upon notice of error or identity theft, which they have failed to do.

Applicable Statutory Damages : Willful Noncompliance : {$100.00} {$1000.00} per violation under 15 U.S.C. 1681n Negligent Noncompliance : Actual damages under 15 U.S.C. 1681o If this matter is not resolved promptly and the fraudulent account is not removed as required under federal law, I am prepared to pursue my legal remedies, which may include civil litigation and notifying appropriate regulatory bodies including the Federal Trade Commission ( FTC ) and the Office of the Comptroller of the Currency ( OCC ). 

I request the immediate removal of all fraudulent and inaccurate information from my credit report and a written confirmation that this has been completed. 

Sincerely, XXXX XXXX [ Your Contact Information is XXXX

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