Consumer complaint received 2025-01-11 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: CA

Complaint narrative:
To the Head of Experian Legal Department : In accordance with the Fair Credit Reporting Act ( FCRA ), I am submitting this statement to address the unauthorized and fraudulent activity associated with my personal information, including inaccurate reporting, unauthorized inquiries, and misuse of my identity. Experian has violated my rights as protected under 15 U.S.C. 1681. Specifically, Section 602 states that I have the right to privacy. Furthermore, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency can not furnish an account without my written instruction or permission. Under 15 U.S.C. 1666B, any such unauthorized actions constitute a violation of federal law.

As a consumer, I am further protected under 15 U.S.C. 1681n, which outlines civil liability for willful noncompliance. This section provides that in cases of liability for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, the affected consumer is entitled to actual damages or {$1000.00} per violation, whichever is greater. Experian did not have authorization to use my Social Security number or to transfer my personal data to third parties. I am therefore requesting reimbursement of {$1000.00} per violation.

experian and the corresponding accounts reported are also in violation of 15 U.S.C. 1681c-2, which mandates the blocking of information resulting from identity theft. Despite providing the necessary documentation under this law, these accounts remain on my credit report. These accounts are all related to identity theft, and their continued presence constitutes a direct violation of my rights under federal law.

I demand that Experian Remove all inaccurate, incomplete, or unverifiable information from my credit report.

Block all accounts related to identity theft as required under 15 U.S.C. 1681c-2.

Provide reimbursement of {$1000.00} per violation under 15 U.S.C. 1681n.

Ensure compliance with all FCRA provisions to prevent further harm to my credit and personal information.

Failure to comply with these requests within the legally mandated timelines will result in additional actions, including formal complaints to the CFPB, FTC, and potential legal remedies. Please confirm receipt of this notice and provide a timeline for resolution. Thank you for your immediate attention to this matter.

Below are the inaccurate reporting accounts that are suppose to be deleted but instead Experian did not properly investigate and automatically kept the accounts on my credit report without properly investigating. 

Here are the accounts with inaccurate reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$4600.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$11000.00} XXXX XXXX XXXXXX/XX/XXXX {$9700.00} XXXX XXXX  XX/XX/XXXX {$12000.00} XXXX XXXXXXXX XX/XX/XXXX {$3400.00} XXXX XXXXXXXX XX/XX/XXXX {$5500.00} XXXX XXXX XXXX  XX/XX/XXXX {$2200.00} XXXXXXXX XXXX XX/XX/XXXX {$6400.00} XXXX XX/XX/XXXX {$7700.00} XXXX XXXX XXXX  XX/XX/XXXX {$1700.00} XXXX XX/XX/XXXX {$6000.00} XXXXXXXX XXXX XX/XX/XXXX {$11000.00} XXXX  XX/XX/XXXX {$1500.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$1800.00} XXXX XXXX XXXX XX/XX/XXXX {$63000.00} XXXX XXXXXX/XX/XXXX {$310.00} XXXX XX/XX/XXXX {$69.00} XXXX XXXXXX/XX/XXXX {$710.00} XXXX XXXXXX/XX/XXXX {$840.00} XXXX XXXXXX/XX/XXXX {$870.00} XXXX XXXXXX/XX/XXXX {$370.00} 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