Consumer complaint received 2025-01-03 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: FL

Complaint narrative:
Identity Theft and Non-Removal of Disputed Items from Credit Report Dear CFPB, I am writing to formally request your assistance in resolving an ongoing issue related to identity theft that has severely impacted my credit report. My identity was stolen in connection with the 2017 XXXX data breach, during which sensitive personal information was exposed to unauthorized individuals. As a result, numerous accounts and inquiries that I did not authorize have appeared on my credit reports with the three major credit reporting agencies : XXXX, Experian, and XXXX. 

Despite my diligent efforts to dispute these items with the credit reporting agencies under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( a ), the agencies have failed to remove the fraudulent items. I have explained that these accounts do not belong to me.

Summary of Key Issues : 1. Fraudulent Accounts : My credit reports list several accounts and inquiries that I did not open or authorize.

2. Disputed Items Ignored : Despite my repeated disputes, the reporting agencies have failed to conduct a proper investigation as required under 15 U.S.C. 1681i ( a ).

3. Failure to Comply with FTC Identity Theft Protections : I have submitted FTC identity theft reports and requested that the agencies block or suppress fraudulent items under 15 U.S.C. 1681c-2 ( a ). The agencies have not adhered to these protections.

This situation has caused significant financial harm and emotional distress, as these inaccuracies have resulted in reduced creditworthiness and difficulty securing basic financial services.

Request for CFPB Intervention : I am seeking the CFPBs intervention to : 1. Ensure that the credit reporting agencies comply with the provisions of the FCRA by thoroughly investigating my disputes and removing the fraudulent items.

2. Verify that the credit reporting agencies have implemented identity theft protections as required under the FCRA and FTC guidance.

3. Hold the credit reporting agencies accountable for their noncompliance and failure to address my identity theft claims adequately.

Supporting Documentation : I have attached the following to support my case : 1. Copies of my disputes submitted to the credit reporting agencies. 
XXXX. XXXX email stating that my information was infact exposed in the data breach 3. Correspondence showing my attempts to resolve these issues.

4. Copies of my credit reports highlighting the fraudulent items.

This matter is urgent, as the unresolved inaccuracies on my credit report continue to cause substantial harm. I trust that the CFPB will advocate for my rights and help bring resolution to this matter.

Thank you for your attention and assistance. Please feel free to contact me directly if additional information or documentation is needed.

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