Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Re : Urgent Complaint Identity Theft, Data Breaches, and Fraudulent Accounts on My Credit Reports To Whom It May Concern : I am writing to file a formal and urgent complaint regarding the willful and negligent mishandling of my personal information by various entities, which has directly resulted in the reporting of fraudulent accounts on my credit profile. I am a confirmed victim of the Equifax XXXX data breach, which exposed the sensitive personal data of over XXXX XXXX Americansincluding Social Security numbers, birth dates, and drivers license information. This breach, along with other major data compromises, has made me a target for identity theft and financial fraud.

As a result of these data breaches, fraudulent accounts have appeared on my credit reports that I did not authorize, do not recognize, and have no contractual obligation toward. These accounts were opened without my knowledge or consent, violating my rights under multiple federal laws, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 Identity Theft and Assumption Deterrence Act of 1998 Gramm-Leach-Bliley Act ( GLBA ) Federal Trade Commission Act ( FTCA ), 15 U.S.C. 4158 I have notified the relevant credit reporting agencies and demanded immediate deletion of these accounts under FCRA Section 611 ( 15 U.S.C. 1681i ), which requires a reasonable investigation and timely removal of inaccurate information. However, my dispute efforts have been met with delay, neglect, and in some cases, outright refusal to comply with federal law.

Let me be explicitly clear : these fraudulent accounts are a direct result of corporate data negligence, most notably the Equifax breach, which the U.S. District Court for the Northern District of Georgia recognized in In re Equifax , Inc., Customer Data Security Breach Litigation, 362 F. Supp. 3d 1295 ( N.D. Ga. 2019 ). The court held that Equifax had a duty to protect consumer data and failed egregiously in doing so.

Furthermore, the credit bureaus are re-reporting disputed information in violation of Collins v. Experian Info. Sols., Inc. , 775 F. Supp. 2d 773 ( N.D. Tex. 2011 ), which affirms that once an item is disputed and deemed inaccurate, it can not be reinserted without proper certification. Continued reporting of fraudulent, unverified, and unauthorized accounts constitutes willful noncompliance, for which damages and penalties are clearly defined under FCRA Section 616 ( 15 U.S.C. 1681n ) and Section 617 ( 15 U.S.C. 1681o ).

I demand the immediate intervention of the CFPB to : Initiate an investigation into the fraudulent accounts being reported under my name.

Enforce compliance with federal laws by the credit reporting agencies and furnishers involved.

Ensure permanent deletion of all fraudulent, unauthorized, and unverified accounts that are the result of these data breaches.

Should this matter not be resolved swiftly, I am fully prepared to escalate my claims through legal avenues and file complaints with additional oversight authorities including the Federal Trade Commission ( FTC ) and state attorney generals office.

This is a serious matter involving federal violations, data negligence, and the destruction of my credit integrity through no fault of my own. I expect prompt action from your office.

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