Consumer complaint received 2025-04-24 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:
I am the victim of identity theft. My personal and financial information has been fraudulently used to open multiple unauthorized accounts and secure services, including credit cards, loans, utilities, and apartment leases all without my consent. My credit reports reflect false addresses ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and fraudulent phone numbers ( XXXX and XXXX ). I have sent dispute documentation including my ID, utility bill, lease, and an FTC Identity Theft Report on XX/XX/XXXX, and to date, I have received no resolution or required contract validations. The following accounts are fraudulent or contain false reporting : XXXX XXXX XXXX Account # XXXX reported XX/XX/XXXX for {$700.00} ( collection on an active XXXX XXXX XXXX account ) XXXX XXXX XXXX Account # XXXX opened XX/XX/XXXX, charged off XX/XX/XXXX for {$640.00} XXXX XXXX XXXX Account # XXXX opened XX/XX/XXXX, past due as of XX/XX/XXXX for {$250.00} XXXX XXXXXXXX XXXX XXXX Account # XXXX opened XX/XX/XXXX, paid in full yet still reported as charged off for {$3500.00} XXXX XXXX XXXX Account # XXXX opened XX/XX/XXXX, shows as charged off despite no recent activity since XX/XX/XXXX XXXX Account XXXX XXXX opened XXXX XXXX, XXXX, closed but still shows {$290.00} past due XXXX XXXX  Account XXXX XXXX opened XX/XX/XXXX, marked past due for {$200.00} XXXX XXXX XXXX XXXXXXXX Account opened XX/XX/XXXX, never late but reported negatively XXXX XXXX XXXX XXXXXXXX Account # XXXX opened XX/XX/XXXX, shows past due for {$180.00} XXXX XXXX XXXX Account XXXX XXXX opened XX/XX/XXXX, closed and shows past due {$220.00} XXXX XXXX XXXX  Account XXXX XXXX shows never late but continues to report negatively I have invoked my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act, Right to Financial Privacy Act, and the FTC Act. My credit reports should be permanently frozen and flagged for identity theft. I also demand full validation for each account, including the original contract bearing my signature and proof of assignment.

Additionally, my student loan records have been mishandled in a breach of the Family Educational Rights and Privacy Act ( FERPA ), resulting in a loss of control over sensitive data. I request the full cancellation and discharge of my student loan, due to the breach and absence of a clear Department of Education administrator, and potential illegal involvement by third parties including XXXX XXXX. 

This entire experience has caused severe emotional distress, and I am now under XXXX XXXX XXXX XXXX XXXX XXXX, prescribed XXXX XXXX XXXX. I request an immediate investigation, removal of all fraudulent and misreported accounts, and a resolution in compliance with all applicable consumer laws.

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