Consumer complaint received 2025-04-24 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: IL

Complaint narrative:
Summary of Identity Theft Issues and Ineffectiveness of Informal Disputes Over the last several years, I have repeatedly attempted to clear my credit file through the standard dispute processes with Equifax, Experian, TransUnion, and individual furnishers. Despite submitting certified-mail disputes, online disputes, and providing documentation of fraud, the same unauthorized accounts and derogatory entries keep reappearingor remain on my report indefinitely. Temporary removals are routinely reversed without explanation, leaving me trapped in a cycle of dispute and re-insertion. 

I am unequivocally a victim of identity theft compounded by multiple large-scale data breaches : Sadly thinking I am also having my credit being XXXX XXXX XXXX XXXX but have to handle that situation with grace so I can exit safely. 

Equifax breach XXXX XXXX XXXX  My personal information was exposed ; in the aftermath, new fraudulent credit lines began appearing in my name. 

XXXX XXXX employer breach My former employer, XXXX XXXX  suffered a data breach that released employee records ; this breach was serious enough to prompt an out-of-court settlement, and my data was among the compromised. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have received notice that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experienced a security compromise, putting my banking credentials at risk and leading to additional unauthorized loan and credit-card activity. 

As a result of these breaches, my credit report now shows fraudulent accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It also contains multiple addresses, phone numbers, and loans from states in which I have never lived. 

Informal disputes have failed because : Credit bureaus investigate and remove items only to reinstate them weeks later without justification. 

Furnishers ignore my documentation of identity theft and continue to report inaccurate balances. 

Collection agencies proceed with demands on debts I never incurred.

I have no effective remedy as a low-income consumer except to invoke my statutory rights under the Fair Credit Reporting Act ( FCRA 1681c-2, 1681s-2 ) and Fair Debt Collection Practices Act, and to pursue formal legal channels. I now demand : A permanent block and removal of all fraudulent entries under FCRA 1681c-2.

Written confirmation of removal from each credit bureau and furnisher.

Cessation of all collection activity until validation is complete. 

Invocation of arbitration ( with all costs borne by the furnishers ) or, if arbitration is waived, filing in XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This formal route is my final recourse to protect my credit, financial stability, and legal rights. The timelines are all determined by law, and no response will be considered you waivers of arbitration for me to pursue my rights in small claims court in the Illinois 19th district.

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