Consumer complaint received 2025-06-30 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: MD

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing inaccurate, misleading, and harmful information being reported on my credit profile as a direct result of identity theft. My personal data was compromised in the XXXX data breach, which placed me at significant risk for fraud and financial harm. Since this breach, my credit report has included negative entries that I do not recognize and did not authorize. 

This breach has resulted in : Fraudulent or misattributed charge-offs Improperly placed collection accounts Multiple late payment entries which I dispute in their entirety The parties reporting these items have failed to meet their obligations under federal law, and I invoke the following statutes : 15 U.S.C. 1681e ( b ) Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. They have failed in this duty.

15 U.S.C. 1681i I am entitled to a timely and complete reinvestigation of disputed information.

15 U.S.C. 1681s-2 Furnishers of data are legally obligated to report only accurate and complete information.

15 U.S.C. 1692cc It is unlawful for third parties ( such as collectors ) to share or disclose disputed debts without my consent. 

These violations have caused substantial damage to my financial standing, including lower credit scores, denials for credit, and emotional distress. I request that the CFPB initiate an immediate investigation into the reporting and furnishing practices related to my credit file and hold the appropriate entities accountable. 

I demand the permanent removal of all negative and unverifiable information from my credit reports across Experian, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing inaccurate, misleading, and harmful information being reported on my credit profile as a direct result of identity theft. My personal data was compromised in the XXXX data breach, which placed me at significant risk for fraud and financial harm. Since this breach, my credit report has included negative entries that I do not recognize and did not authorize. 

This breach has resulted in : Fraudulent or misattributed charge-offs Improperly placed collection accounts Multiple late payment entries which I dispute in their entirety The parties reporting these items have failed to meet their obligations under federal law, and I invoke the following statutes : 15 U.S.C. 1681e ( b ) Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. They have failed in this duty.

15 U.S.C. 1681i I am entitled to a timely and complete reinvestigation of disputed information.

15 U.S.C. 1681s-2 Furnishers of data are legally obligated to report only accurate and complete information.

15 U.S.C. 1692cc It is unlawful for third parties ( such as collectors ) to share or disclose disputed debts without my consent. 

These violations have caused substantial damage to my financial standing, including lower credit scores, denials for credit, and emotional distress. I request that the CFPB initiate an immediate investigation into the reporting and furnishing practices related to my credit file and hold the appropriate entities accountable. 

I demand the permanent removal of all negative and unverifiable information from my credit reports across Experian, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing inaccurate, misleading, and harmful information being reported on my credit profile as a direct result of identity theft. My personal data was compromised in the XXXX data breach, which placed me at significant risk for fraud and financial harm. Since this breach, my credit report has included negative entries that I do not recognize and did not authorize. 

This breach has resulted in : Fraudulent or misattributed charge-offs Improperly placed collection accounts Multiple late payment entries which I dispute in their entirety The parties reporting these items have failed to meet their obligations under federal law, and I invoke the following statutes : XXXX U.S.C. 1681e ( b ) Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. They have failed in this duty.

15 U.S.C. 1681i I am entitled to a timely and complete reinvestigation of disputed information.

15 U.S.C. 1681s-2 Furnishers of data are legally obligated to report only accurate and complete information.

15 U.S.C. 1692cc It is unlawful for third parties ( such as collectors ) to share or disclose disputed debts without my consent. 

These violations have caused substantial damage to my financial standing, including lower credit scores, denials for credit, and emotional distress. I request that the CFPB initiate an immediate investigation into the reporting and furnishing practices related to my credit file and hold the appropriate entities accountable. 

I demand the permanent removal of all negative and unverifiable information from my credit reports across Experian and I reserve the right to pursue civil litigation if these matters are not addressed promptly and fully. 

Please confirm receipt of this letter and provide a formal response outlining the steps your office is taking to resolve this serious matter. 

Sincerely, XXXX 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