Consumer complaint received 2025-05-21 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 writing to you 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 deeply troubling. 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 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 of the suffering of people 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}. 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. * Violations * 15 U.S. Code 1681c2 : Block information related to identity theft within 4 business days. 15 U.S. Code 1681e ( b ) : 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.

These fraudulent accounts and unauthorized inquiries include : Accounts : XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$930.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX I am not requesting an e-OSCAR report. If the Credit Agencies can not provide documentation proving that these inquiries were authorized by me, the inquiries must be removed immediately.

I have done my part. Ive provided all required documentation. But the so-called bureaus have failed to do their job. They didnt block this information, and they didnt delete the accounts and inquiries resulting from identity theft. Instead, theyve allowed this fraudulent activity to linger on my report, continuing to harm me and my family. 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 XXXXXXXX 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