Consumer complaint received 2024-07-31 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: FL

Complaint narrative:
I previously submitted documentation prior directly to the bureaus most recently XX/XX/XXXX and no action was taken. 

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant ta FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of The following accounts that appear on my credit report : I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX # XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights Account name : XXXX # XXXX has violated my rights Account name : XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights Account name : XXXX XXXX XXXXXXXX has violated my rights Account name : XXXX XXXX XXXX # XXXX has violated my rights Account name : XXXX # XXXX has violated my rights, Account name : XXXX XXXX XXXX # XXXX has violated my rights Account name : XXXX XXXX XXXX # XXXX has violated my rights Account name : XXXX XXXX XXXXXXXX has violated my rights Account name : XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights Account name : XXXX XXXX XXXXXXXX has violated my rights Account name : XXXX XXXX XXXX # XXXX has violated my rights Account name : XXXX XXXX XXXX # XXXX has violated my rights Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights Account name : XXXX XXXX XXXXXXXX has violated my rights Account name : XXXX OF XXXX # XXXX has violated my rights Account name : XXXX XXXX XXXXXXXX has violated my rights Account name : XXXX # XXXX has violated my rights Account name : XXXX XXXX  XXXX has violated my rights Account name : XXXX XXXX XXXXXXXX has violated my rights Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights Account name XXXX XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX  XXXX # XXXX has violated my rights Account name : XXXX XXXX Bankruptcy # XXXX has violated my rights Account name : XXXXXXXX XXXX XXXXXXXX # XXXX has violated my rights Account name : XXXX  XXXX Bankruptcy # XXXX has violated my rights Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX The above listed accounts violated my rights 15 U.S.C 1681 section 602 A. States I have the right t

o privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

I am writing to file a formal complaint regarding a bankruptcy entry on my credit report that has been inaccurately reported. After conducting thorough investigation and verification with Lexus Nexus, it has been confirmed that the bankruptcy entry in question is not reported by the creditor to the credit bureaus. Despite this verification, the bankruptcy entry continues to negatively impact my credit score and financial standing. This inaccurate reporting is causing significant distress and hindering my ability to access fair credit opportunities.

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