Consumer complaint received 2025-10-29 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: MA

Complaint narrative:
To : XXXX XXXX  -- - Re : Authorization of Full Consumer Representation and Notice of Continuing Harm I, XXXX XXXX XXXX, am the rightful consumer in this matter. I hereby authorize my son, XXXX XXXX, to act as my full and lawful representative in all matters related to my accounts, disputes, identity theft, credit reporting, and all communications with XXXX XXXX  and any agencies, bureaus, or regulators associated with this matter. 

This authorization includes, without limitation : Communicating directly with XXXX XXXX on my behalf. 

Requesting and receiving any and all documents, contracts, applications, billing records, and verification materials. 

Filing, submitting, and pursuing any disputes or complaints under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair and Accurate Credit Transactions Act ( FACTA, XXXX ), and Massachusetts statutes including M.G.L. c.93, 54A54C, M.G.L. c.93A, and M.G.L . c.19A, 14.

Enforcing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates blocking of identity-theft-related information within four business days of a valid report.

Taking any and all lawful actions necessary to protect and restore my consumer credit identity.

-- - Notice of Continuing Harm and Disregard for the Law discover has already obstructed the lawful resolution process by refusing to remove fraudulent, identity-theft-related accounts, despite being provided with all legally required elements. 

In addition, discovers continued disregard for the laws both federal and state and its ongoing transmission of fraudulent and manufactured accounts related to identity theft is significantly contributing to my being denied credit, housing, and other essential opportunities.

Each unlawful transmission is : A breach of FCRA 623 ( b ) ( furnishers duty to investigate and correct ), A violation of FCRA 605B, Obstruction of consumer rights under 12 C.F.R. 1022.43 ( Regulation V ), And, as I am an elder consumer, financial elder exploitation under M.G.L. c.19A, 14 and the Elder Justice Act ( 42 U.S.C . 1397j et seq. ). 


These are not oversights. They are willful acts that corrupt my consumer identity and inflict continuing harm. 

-- - Typed Authorization No Handwritten Signature Provided I am deliberately not providing a handwritten signature because scanned ink signatures can be lifted or misused. Instead, I authorize this representation through my typed legal name, which is fully valid under the E-SIGN Act ( 15 U.S.C. 7001 et seq. ) and binding under federal law. 

Any refusal by XXXX XXXX  to honor this authorization will be treated as obstruction of consumer rights and will be raised in regulatory filings and court proceedings. 

-- - Sincerely, XXXX XXXX XXXX ( Authorized Consumer Typed Name Only )

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