Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
Request for Full Investigation and Verification of Credit Report Discrepancies ( YES THIS IS INDEED THE REAL XXXX XXXX ) I am writing to formally request a thorough and complete investigation into discrepancies on my credit report that I have raised multiple times in the past. Since my identity was stolen in XXXX, unauthorized accounts, collections, late payments, and inquiries have appeared on my profile. Despite numerous attempts over the years to have these items properly investigated, the issues remain unresolved. 

XXXX years ago, my credit report directly impacted my ability to secure a career opportunity, and I am still dealing with the consequences of these errors. Despite providing police reports, FTC reports, and evidence from XXXX XXXX, which confirm that my personal informationincluding my driver 's license and Social Security numberhas been involved in multiple data breaches ( such as XXXX, Experian, XXXX, and XXXX XXXX ), the disputed accounts remain on my credit report. 

I have repeatedly requested documentation verifying how these accounts were authenticated, including proof that my identity, signature, and authorization were used to open the accounts. Unfortunately, I have only received vague responses stating that the accounts were " verified '' and " accurate '' without any supporting documentation or evidence. 

This lack of proper investigation is not only frustrating but also a violation of my rights under the law. I am being unfairly held accountable for fraudulent accounts and inquiries that I did not authorize. As a result, I have been unfairly restricted from obtaining a new car, home, and, most importantly, a job at a credit union that I was offered and truly wanted. 

I respectfully request that you conduct a thorough, detailed investigation into the following accounts, inquiries, and past-due payments on my credit report that I have no knowledge of or authorization for. I require full verification and evidence of your investigation, including how these accounts were verified and authenticated. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- showing closed like it should on XXXX but others not Accounts are being taken off and placed back on my credit profile without any explanation Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter. I look forward to receiving your response and the necessary documentation to resolve this issue. 

Sincerely 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