Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian Credit Bureau continues to commit fraud by misidentifying me by adding XXXX to the end of XXXX XXXX XXXX/name. XXXX is a private, noble title that I never authorized Experian Credit Bureau to utilize, furthermore the credit companies that claim I owe them a debt never used XXXX at the end of my name, I believe this is called defaming my character. I've disputed with Experian Credit Bureau numerous of times and their agents never do a thorough investigation, also I was never compensated for the data breach and identity theft I believe I was involved in as a result of Experian Credit Bureau 's fraudulent activities. The Fair Credit Reporting Act and the Fair Debt Collection Practices Act prohibits creditors from reporting and collecting debt that has been settled, discharged, or is no longer collectable. It stands to reason that creditors may not make credit reports or collect debt after that debt is reported on an IRS form 1099C. Per the FCRA, as a Federally protected consumer I'm now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal or nonverbal per 15 U.S.C. 6802. The law says it's illegal to report transaction history on my credit report per H.R. 4120-Comprehensive Credit Act of 2021. A charge-off is considered income and income can not be reported on my credit report. According to 15 U.S.C. 6508 I have a right to opt out of the inaccurate information on my credit report. Experian Credit Bureau is in violation of 16 CFR Sec. 433.2 Preservation of consumer claims and defenses unfair or deceptive acts or practices. Experian Credit Bureau also violated the Privacy Act of 1974. The inquires on my credit report is in violation of 15 U.S.C. 1681 of the FCRA-Permissible Purposes. Also Experian Credit Bureau is in violation of the Family and Educational Privacy Act of 1974 by reporting student loan history. When I signed up for a student loan, I signed a privacy act form that said the school will not provide transaction history to any third-party companies. If my credit report isn't adjusted, I will be forced to file a lawsuit in Federal District Court. I've talked with a representative from Experian Fraud Department multiple times, I informed the agent that my name is XXXX XXXX XXXX, and he was supposed to correct that, I also openly disputed all the items on my credit report on a recorded line, I'm pretty sure Experian Credit Bureau has this recording and can produce it if asked, I've also provided Experian Credit Bureau with an FTC Identity Theft Affidavit that clearly states I'm a victim of identity theft which employees of Experian Credit Bureau simply disregarded. The following accounts are inaccurate : XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX  Account number XXXX XXXX  Account number XXXX ( Discharged with an IRS 1099C Form ) Under 15 U.S. Code Sec 1681e I choose to be excluded from Experian Credit Bureau list , as well as the above creditors. I reserve all rights.

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