Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
As a mother, deeply frustrated and alarmed by the fraudulent accounts and unauthorized hard inquiries on my credit report. These inaccuracies are not just minor errors they are deliberate acts of fraud that have been allowed to fester on my credit report, severely damaging my ability to provide for my child. These fraudulent accounts and inquiries are blocking my path to financial stability, which is essential for my familys well-being. The fact that these errors remain unresolved is beyond unacceptable. I have provided the required proof of identity and filed an identity theft report, yet these fraudulent accounts and inquiries continue to appear. The credit bureaus, who are supposed to protect consumers and ensure the accuracy of credit reports, have utterly failed me. They have not taken the necessary actions to block or remove this information, despite my clear and repeated requests. Instead, the bureaus seem more interested in maintaining the status quo and profiting off the suffering of people like me. The Credit Bureaus Are Engaging in Deception : It is clear that the bureaus think Im stupid, hoping Ill just accept their inaction while they profit off fraudulent accounts and unauthorized inquiries. They did not even block or delete the fraudulent accounts and inquiries that resulted from identity theft, as required under 15 U.S. Code 1681c2. This is not a mistake ; this is deception. And the deception doesn't stop there. XXXX ( XXXX creditor ) XXXX  is a prime example of this fraud being enabled by the credit bureaus. Their named disguises is deceptive. The dates and amounts listed for XXXX are inaccurate, yet they remain on my credit report. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the FTC Act, Section 5, which prohibits deceptive and unfair practices. The bureaus and creditors know exactly what they are doingallowing fraudulent and inaccurate information to sit on credit reports, ruining the financial well-being of innocent people, and getting rich off the destruction of consumers like me. Under 15 U.S. Code 1681c2 - Block of information resulting from identity theft, you are required to block this information within 4 business days of receiving the following : -Appropriate proof of my identity -A copy of my identity theft report, which I have provided -Identification of the fraudulent information, listed below... This needs to be resolved immediately. Under the FCRA, each violation of my rights entitles me to damages of {$1000.00} per violation. Im willing to settle for that amount {$1000.00} per violation. If I dont receive payment within 10 days, I will pursue actual damages, which could be much higher. Under the FTC Act Section 5 ( a ) - 15 USC 45 : Unfair or Deceptive Acts or Practices, Fraudulent Account, and Unauthorized Hard Inquires : Fraudulent Account : DEPT OF ED/XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$14000.00} Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year> -Violations and breaking of the laws : 15 U.S. Code 1681c2 : Failure to block identity theft-related information within 4 business days. 15 U.S. Code 1681e ( b ) : Failure to ensure maximum possible accuracy of consumer information. 15 U.S. Code 1681n : Civil liability for willful noncompliance. 15 U.S. Code 1681i : Failure to conduct a reasonable reinvestigation. 15 U.S. Code 1681b : Unauthorized access to consumer reports. 15 U.S. Code 1681c : Reporting obsolete information. FTC Act, Section 5 ( 15 U.S. Code 45 ) : Engaging in deceptive and unfair practices by allowing inaccuracies.

-The Credit Bureaus Failure Is Costing Me to provide for my child : I have done everything I am legally required to do. I have provided documentation. I have followed the law. Yet, the credit bureaus continue to fail me. They have made it clear that they do not care about consumers like methey care only about protecting their business model and profiting off deception, identity theft, and fraudulent data. I refuse to let this continue. These bureaus seem to care little about the impact on consumers like me. They care more about their own profits than they do about ensuring accuracy and fairness. Immediately Delete all fraudulent accounts and hard inquiries from my credit report, as outlined under 15 U.S. Code 1681c2. I am also seeking {$1000.00} in damages per violation under the FCRA, given the ongoing harm these errors have caused me. If the corrections are not made within 10 days, send violation certified funds to : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX Thanks!

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