Consumer complaint received 2025-04-29 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: PA

Complaint narrative:
Dear CFPB, I am submitting this formal follow-up complaint in connection with a previous CFPB complaint that has been marked closed but remains unresolved. The issues I raised continue to violate federal law and are causing ongoing harm to my credit file, privacy, and financial integrity.

Summary of Unresolved and Escalating Violations : Additionally, my personal informationsuch as date of birth, address history, and account ownershipremains incorrect across my credit reports, despite previous disputes. This failure to maintain accurate and consistent personal identifiers is a direct violation of FCRA 1681e ( b ), and it continues to harm my credit profile and legal standing. 

Unauthorized Reporting of Student Loans ACCOUNT IN QUESTION IS : XXXX XXXX XXXXXXXX XXXX My student loan accounts were reported without my consent, violating the Fair Credit Reporting Act ( FCRA ) 1681b, which limits access to and disclosure of consumer reports.

These accounts were added or altered without my knowledge, authorization, or any signed documentation, which constitutes identity theft under FCRA 1681c-2. 

I have not signed any loan disclosures or agreements permitting these tradelines, nor have I authorized them to appear on any consumer report. 

Inconsistent and Inaccurate Reporting Across Bureaus The information reported on Experian, Equifax, and TransUnion does not matchin direct violation of FCRA 1681e ( b ), which mandates maximum possible accuracy.

As FCRA compliance manuals clarify, inconsistent reporting between agencies is grounds for deletion, not correction, due to the failure to maintain uniform and verifiable records.

Failure to Address Identity Theft and Legal Documentation I have previously submitted identity theft documentation including an FTC Identity Theft Report and additional correspondence per FCRA 1681c-2. The reporting entities have failed to block the fraudulent tradelines, which violates FCRAs statutory duties when notified of identity theft. This ongoing exposure of my personal identifiers and financial history without my permission violates both FTC Privacy Rules and the CFPBs own enforcement guidelines.

Clear Harm and Financial Injury These violations have negatively impacted my credit score, denied me access to fair credit opportunities, and caused emotional distress.

As

outlined under 15 U.S.C. 1681n/o and 15 U.S.C. 1692k, I reserve my right to pursue civil damages for failure to correct or delete clearly unverifiable and illegal data. Supporting Documentation to Be Submitted : Prior CFPB complaint summary and closed status notice FTC Identity Theft Report Highlighted credit reports showing mismatches and fraudulent student loans Dispute letters and bureau responses ( demonstrating noncompliance or stall tactics )

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