Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
CFPB COMPLAINT FCRA & UDAAP VIOLATIONS BY EXPERIAN Filed by : XXXX XXXX XXXX XXXX : XX/XX/XXXX Experian case # Case number : XXXX XXXX attached recorded calls that have been converted to transcripts are attached ________________________________________________________________ IDENTITY & VICTIM STATUS I am a verified victim of XXXX XXXX and identity theft, under the XXXX XXXX XXXX since XXXX. 

My identity ( name, SSN, and date of birth ) has been permanently compromised and is also part of the XXXX XXXX XXXX class action. 

My protected status is documented by the XXXX XXXX XXXX XXXX ( XXXX XXXX ) see attached letter. 

I maintain two addresses for safety : Residential/Secure address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, GA XXXX Mailing/Masking address : XXXXXXXX XXXX XXXX XXXXXXXX _____________________________________________________________ SUMMARY OF THE PROBLEM Experian continues to report a fraudulent XXXX XXXX credit card account XXXX XXXX CARD ) on my credit report an account I did not open, authorize, or use. 

Despite XXXX formal disputes and extensive supporting documentation, Experian has : Falsely verified the fraudulent account twice Denied me access to my own credit report Ignored valid documentation confirming my identity and address Sent contradictory, automated emails Retaliated against me by removing my real address and locking my profile Violated multiple FCRA and UDAAP statutes _________________________________________________________________ DOCUMENTS PROVIDED TO EXPERIAN FTC Identity Theft Report ( with XXXX XXXX account listed ) Police Report ( with badge # and case # ) Government-issued ID ( new license ) Proof of address ( matching FTC report and ID ) Certified mail receipts Witness/Victim Protection Letter from Prosecutors Office Call recordings and transcripts ( XXXXXXXX XXXX XXXX, Experian XXXX XXXX. ) Case # : XXXX confirmed during call with Agent XXXX on XX/XX/XXXX at XXXX XXXX  EST _______________________________________________________________ EXPERIANS MISCONDUCT Verified fraudulent XXXX XXXX account twice, with no wet signature or validation ( FCRA 611 ) Claimed documents were not received after supervisor XXXX personally confirmed receipt on a recorded call ( XX/XX/XXXX ) Removed my address from the file, preventing account access and dispute tracking Locked me out of my own credit report, unless I use the fraudulent address Sent two conflicting emails on XX/XX/XXXX : One said the fraudulent item was blocked One said my request was denied due to material misrepresentation ________________________________________________________________ DAMAGES SUFFERED Credit score fell from XXXX to XXXX Lost opportunity to purchase a {$480000.00} home Forced into temporary housing with my children Ongoing emotional trauma and public safety risks Denied access to my own data while a federal crime survivor under protection _____________________________________________________________________ VIOLATED LAWS & STATUTES FCRA Violations : 605B Refusal to block identity theft accounts 611 Failure to conduct a reasonable reinvestigation 609 Denial of access to my full consumer file 611 ( a ) ( 7 ) Refusal to disclose how item was verified 616, 617 Willful and negligent noncompliance UDAAP Violations ( under Dodd-Frank ) : Deceptive and unfair practices Use of contradictory system responses Misrepresentation of documents received Denial of access to a federally protected victim _______________________________________________________ WHAT IM REQUESTING Please direct Experian to : Delete the fraudulent XXXX XXXX account and inquiries Restore access to my Experian credit report Correct my verified residential address Provide written disclosure of their verification method Pay actual, statutory, and punitive damages Submit to CFPB oversight or federal enforcement for violations Cease retaliation against a protected victim under FCRA/UDAAP If unresolved, I am prepared to file suit through XXXX XXXX XXXX and involve media outlets and federal agencies. 

Attachments Provided : FTC Identity Theft Report Police Report Government-issued ID Proof of address Witness/Victim Protection Letter Experian dispute results and XX/XX/XXXX conflicting emails Recorded call transcripts Case number : XXXX Respectfully, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  Address on file ( Redacted for Public Complaint )

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