Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
( Via Certified Mail Return Receipt Requested ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Email : XXXX Date : XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Experian Legal Department Experian XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Subject : Formal Demand for Identity Theft Resolution & Criminal Prosecution of Corporate Officials XXXX XXXX Police Report # XXXX / XXXX ( A ) ( XXXX ) Identity Theft Fraud FTC Identity Theft Report Number : XXXX Experian Report # XXXX Report No. XXXX XXXX FHEO Complaint Submission | FBI Submission Corporate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX and XXXX XXXX, This XXXX a formal and legally binding demand for the immediate correction of fraudulent information on my credit report and a direct request for criminal prosecution of Experians corporate officials for willful violations of federal law and gross negligence in handling consumer financial data. 
XXXX refusal to comply with federal law constitutes a direct violation of XXXX XXXX. XXXX ( FCRA XXXX ), requiring fraudulent accounts to be blocked within XXXX ( XXXX ) business days, XXXX U.S.C. XXXX, requiring Experian to remove disputed items within XXXX ( XXXX ) days, and XXXX XXXX. XXXX ( b ), mandating that all reports maintain maximum possible accuracy. 
These actions are not mere violations of consumer protection lawsthey constitute criminal acts under XXXX XXXX. XXXX ( Aggravated Identity Theft ) and XXXX XXXX. XXXX ( XXXX Violations ). XXXX XXXX and XXXX, as responsible corporate officers, are personally liable under these statutes and are subject to criminal prosecution. 

Experian 's XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, Privacy, and Identity Theft Laws XXXX XXXX. XXXX ( FCRA XXXX ) Mandates blocking of fraudulent accounts within XXXX business days XXXX XXXX. XXXX Requires removal of disputed items within 5 days pending investigation XXXX XXXX. XXXX ( b ) Requires maximum possible accuracy in consumer reports XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Provides for actual or statutory damages of {$100.00} - {$1000.00} per violation XXXX XXXX. XXXX Addresses willful noncompliance with FCRA XXXX XXXX. XXXX Addresses negligent noncompliance with FCRA XXXX XXXX. XXXX XXXX XXXX Mandates credit agencies to exercise grave responsibility with fairness and respect for privacy XXXX XXXX. XXXX Grants consumers the right to obtain full disclosure of file information XXXX XXXX. XXXX Requires financial institutions to provide XXXX separate disclosures by certified mail Criminal Statutes Violated by Experians Corporate Officers XXXX XXXX. XXXX Identity theft and fraud XXXX XXXX. XXXX Aggravated identity theft ( Corporate officials knowingly allowing fraud ) XXXX XXXX. XXXX Mail fraud XXXX XXXX. XXXX XXXX fraud XXXX XXXX. XXXX Bank fraud XXXX XXXX. XXXX XXXX ( XXXX XXXX and Corrupt Organizations Act ) Violations Fraudulent Accounts & Inquiries to Be Blocked & Removed Immediately Creditor Account Number ( Last XXXX Digits ) Status Action Required XXXX CARD XXXX-XXXX-XXXX-XXXX Verified despite fraud REMOVE XXXX XXXX XXXX XXXX XXXX-XXXX-XXXX-XXXX Verified XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX Verified despite fraud REMOVE First XXXX Bank XXXX Verified despite fraud REMOVE Lead Bank XXXX-XXXX-XXXX-XXXX Verified despite fraud REMOVE Fraudulent Public Record to Be Removed ( XXXX XXXX Code : DA ) Record Type Docket Number Status Action Required XXXX Bankruptcy XXXX XXXX Chapter XXXX Bankruptcy ( Dismissed ) REMOVE Fraudulent Hard Inquiries to Be Removed XXXX XXXX XXXX Code : DA ) Creditor Date Capital XXXX ( via XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX Global XXXX Services XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX Legal XXXX for XXXX XXXX Actions Formal complaints have been XXXX and XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX  XXXX Federal Trade Commission XXXX XXXX  XXXX XXXX Department of Justice ( XXXX  ) XXXX Department of Housing and Urban Development ( XXXX  ) Internal Revenue Service ( XXXX  XXXX XXXX For corporate fraud investigation XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity Theft ( XXXX XXXX. XXXX ) XXXX. Aggravated Identity Theft ( XXXX XXXX. XXXX ) XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) XXXX. Bank XXXX ( XXXX XXXX. XXXX ) XXXX. XXXX Violations ( XXXX XXXX. XXXX ) XXXX Actions Required XXXX and permanently remove all fraudulent accounts and inquiries. 
Provide a corrected credit report at no cost. 
Place an extended fraud alert on my credit file. 
Send all three required disclosures under XXXX XXXX. XXXX via certified mail. 
Provide a list of all entities that accessed my credit report in the past 24 months. 


AFFIDAVIT OF TRUTH I, XXXX XXXX XXXX XXXX XXXX ( Copyrighted ), being of sound mind and in full capacity, do hereby affirm under penalty of perjury under the laws of the United States of America that the following statements are true and correct to the best of my knowledge. 
AFFIDAVIT STATEMENT XXXX. I am a natural living being and the rightful holder of my personal identifying information ( PII ), which has been fraudulently used without my authorization. 
XXXX. Experian has engaged in willful violations of federal law by refusing to comply with my legal right to have fraudulent accounts blocked and removed under XXXX XXXX. XXXX ( FCRA XXXX ), which mandates consumer reporting agencies to block fraudulent information within XXXX ( XXXX ) business days upon receiving : o Proof of the consumer 's identity o A police report o A statement that the information is fraudulent XXXX. Experian has violated XXXX XXXX. XXXX by failing to remove disputed accounts within XXXX ( XXXX ) business days until completion of an investigation. 
XXXX. Experian is criminally liable under XXXX XXXX. XXXX ( Aggravated Identity Theft ) for knowingly allowing the continued publication of fraudulent information, impacting my financial stability. 
XXXX. Experians executives, XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ), are personally responsible under XXXX XXXX. XXXX ( XXXX Violations ) for participating in corporate negligence and financial fraud by failing to uphold statutory obligations. 
XXXX. Under XXXX XXXX. XXXX ( b ), credit reporting agencies are required to ensure maximum possible accuracy in consumer reports. The existence of fraudulent accounts, late payments, and unauthorized credit inquiries is a direct violation of this statute. 
XXXX. Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), I am entitled to actual damages or statutory damages of no less than {$100.00} and no more than {$1000.00} per violation for Experians willful noncompliance. 
XXXX. Experian is legally required under XXXX XXXX. XXXX to provide XXXX separate consumer disclosures via certified mail regarding the sharing and handling of my financial data. These disclosures have not been provided, constituting a violation of federal privacy laws. 
XXXX. Under XXXX XXXX. XXXX Section XXXX, credit reporting agencies must exercise their grave responsibilities with fairness, impartiality, and respect for consumer privacy. The failure to do so has resulted in financial harm, mental distress, and hardship in securing housing and credit opportunities. 
STATEMENT OF FACTS XXXX. I am the victim of identity theft, as evidenced by : o XXXX XXXX Police Report # XXXX o FTC Identity Theft Report # XXXX o Experian Report # XXXX o Report No. XXXX XXXX. Experian has failed to : o XXXX fraudulent accounts within XXXX ( XXXX ) business days as required by XXXX XXXX. XXXX ( FCRA XXXX ). 
o Remove disputed items within XXXX ( XXXX ) days as required by XXXX XXXX. XXXX. 
o XXXX maximum accuracy as required by XXXX XXXX. XXXX ( b ). 
o XXXX all soft inquiries as required by XXXX XXXX. XXXX. 

LEGAL VIOLATIONS COMMITTED BY EXPERIANS EXECUTIVES Violations of Consumer Protection, Privacy, and Identity Theft Laws XXXX XXXX. XXXX ( FCRA XXXX ) Fraudulent accounts must be blocked within XXXX business days XXXX XXXX. XXXX Disputed items must be removed within 5 days pending investigation XXXX XXXX. XXXX ( b ) Reports must maintain maximum possible accuracy XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Actual or statutory damages of {$100.00} - {$1000.00} per violation XXXX XXXX. XXXX Willful noncompliance XXXX XXXX. XXXX Negligent noncompliance XXXX XXXX. XXXX Section XXXX Grave responsibility of credit agencies to maintain fairness and privacy XXXX XXXX. XXXX XXXX to obtain full disclosure of all file information XXXX XXXX. XXXX XXXX separate certified disclosures must be sent to consumers Criminal Statutes Violated by Experians Corporate Officers XXXX XXXX. XXXX Identity theft and fraud XXXX XXXX. XXXX Aggravated identity theft Knowingly reporting fraudulent data XXXX XXXX. XXXX Mail fraud XXXX XXXX. XXXX XXXX fraud XXXX XXXX. XXXX Bank fraud XXXX XXXX. XXXX XXXX XXXX and Corrupt Organizations Act ( XXXX ) FRAUDULENT ACCOUNTS & INQUIRIES TO BE BLOCKED & REMOVED IMMEDIATELY Creditor Account Number ( Last XXXX Digits ) Status Action Required XXXX CARD XXXX-XXXX-XXXX-XXXX Verified despite fraud REMOVE XXXX XXXX XXXX XXXX XXXX-XXXX-XXXX-XXXX Verified XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX Verified despite fraud REMOVE FRAUDULENT PUBLIC RECORD TO BE REMOVED ( XXXX XXXX Code : DA ) Record Type Docket Number Status Action Required XXXX Bankruptcy XXXX XXXX Chapter XXXX Bankruptcy ( Dismissed ) REMOVE FRAUDULENT SOFT INQUIRIES TO BE REMOVED Creditor XXXX XXXX XXXX ) of Unauthorized Inquiry ALLY FINANCIAL XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Repeated Daily Soft Inquiries EXPERIAN Continuous Unlawful Inquiries These unauthorized inquiries violate XXXX XXXX. XXXX ( permissible purpose ) and XXXX ( full file disclosure ). 

LEGAL CONSEQUENCES FOR EXPERIANS CRIMINAL ACTIONS Formal complaints are being filed with : Consumer Financial Protection Bureau ( XXXX  ) Federal Trade Commission ( XXXX  XXXX XXXX Department of Justice ( XXXX XXXX XXXX Department XXXX Housing and Urban Development ( XXXX  XXXX Internal Revenue Service ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. Identity Theft ( XXXX XXXX. XXXX ) XXXX. Aggravated Identity Theft ( XXXX XXXX. XXXX ) XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) XXXX. Bank XXXX ( XXXX XXXX. XXXX ) XXXX. XXXX Violations ( XXXX XXXX. XXXX ) IMMEDIATE ACTIONS REQUIRED Block and permanently remove all fraudulent accounts and inquiries. 
Provide a corrected credit report at no cost. 
Place an extended fraud alert on my credit file. 
Send all three required disclosures under XXXX XXXX. XXXX via certified mail. 
Provide a full list of all entities that accessed my credit report in the past 24 months. 

FINAL DEADLINE A certified written confirmation must be provided within XXXX ( XXXX ) business days verifying full compliance. 
I declare under penalty of perjury under the laws of the United States that the foregoing is true and correct. 
Sworn and Subscribed Before Me on this XXXX day of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX ( Copyrighted ) Agent/Beneficiary - Without Prejudice, All Rights Reserved Walk in Faith Ministries Trust / Foreign XXXX XXXX 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