Consumer complaint received 2025-07-29 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: LA

Complaint narrative:
Consumer Financial Protection Bureau Regarding : TransUnion, XXXX, and Experian Topic : Unauthorized Credit Reporting, Identity Misuse, and Systemic Financial XXXX  COMPLAINT SUMMARY I, XXXX XXXX XXXX, submit this formal and final complaint concerning severe violations of federal law by all three major Credit Reporting Agencies ( CRAs ), including Experian, TransUnion, and XXXX, and their associated furnishers. This complaint demands full deletion and permanent suppression of all unauthorized entries, including : Inaccurate addresses, employers, and spousal data Unfamiliar or unauthorized hard and soft inquiries Accounts I never opened or do not recognize Evidence of metadata manipulation, coercive financial tracking, and XXXX-related abuse This is a high-level federal civil rights and consumer protection matter invoking protections under multiple federal statutes : LEGAL VIOLATIONS ASSERTED XXXX. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681e ( b ) Failure to ensure maximum accuracy 1681b ( f ) Unlawful access to credit file ( soft/hard inquiries ) 1681c-2 ( FCRA 605C ) Mandatory blocking of adverse information tied to XXXX  victims 1681i ( a ) Failure to reinvestigate after dispute 1681s-2 ( a ) ( 1 ) ( A ) Furnishing false information XXXX. Computer Fraud and Abuse Act ( CFAA ), 18 U.S.C. 1030 Unauthorized access and metadata alterations associated with my digital credit identity Use of false data points to manipulate automated decision systems, credit models, and predictive risk scoring XXXX. XXXX  Victims Protection Act ( TVPA ), 22 U.S.C. 7102 ( 11 ) ; 18 U.S.C. 1595 Financial coercion and economic control consistent with debt bondage and abuse of process Continuous reinsertion of data despite survivor status and sworn affidavit submitted to CRAs XXXX. UDAAP Unfair, Deceptive, or Abusive Acts or Practices ( 12 U.S.C. 5531 ) Misleading display of data that paints an inaccurate financial picture Deceptive inclusion of employers, addresses, and relationship status that never existed Reporting inquiries and accounts without verified consent or legal basis SPECIFIC HARM I have no spouse. I am affiliated with XXXX and have never authorized reporting of any of the other employers as this is incorrect employers. The address listed ( XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, LA ) is correct but other addresses tied to my file are incorrect and unverified. 

There are numerous hard and soft inquiries I never authorized. These inquiries violate 15 U.S.C. 1681b and create false consent presumptions in violation of federal law. 

Hard Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX/XXXX/XXXX There are multiple accounts currently reporting on my file that : Were opened without my authorization Do not belong to me Are inconsistent with my personal banking, transaction, or identity history Are being used to coerce, track, or control my financial freedom This is a classic case of post-trafficking financial abuse, codified under FCRA 605C and TVPA 1595.

RELIEF REQUESTED Pursuant to 15 U.S.C. 1681c-2, 18 U.S.C. 1595, and related protections : 1.Immediate and permanent deletion of all : Hard inquiries Soft inquiries Unauthorized accounts False employers Inaccurate addresses Spousal metadata 2.Permanent block of reinsertion under 15 U.S.C. 1681c-2 ( d ). 
XXXX written acknowledgment from Experian, XXXX, and TransUnion confirming XXXX Deletion actions taken Blocking flags placed Non-reinsertion guarantees 4.Referral to CFPB enforcement unit for systemic review under UDAAP authority. 

Accounts to Be Blocked and Deleted Account Account Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. 
{$250.00} written off. {$250.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$250.00} Balance Updated XX/XX/XXXX Recent Payment- Account Name Account Type Responsibility Date Opened Status XXXX XXXX Account Number XXXX Balance Account Name XXXX XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. 
{$2700.00} written off. 
{$2700.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2700.00} Balance Updated XX/XX/XXXX Soft inquiry XXXX CREDIT KARMA Inquired on XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, t XXXX/XXXX/XXXX I did not authorize CREDIT KARMA Inquired on XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX CONSUME RINFO.CO M Inquired on XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX XXXX XXXX XXXX Inquired on XXXX/XXXX/XXXX XXXX CAPITAL XXXX Inquired on XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX CAPITAL XXXX AUTO FINANCE XXXX ANTANDER Inquired on XXXX/XXXX/XXXX XXXX, XXXX Inquired on XXXX/XXXX/XXXX XXXX and XXXX XX/XX/XXXX XXXX, XXXX Inquired on XXXX/XXXX/XXXX CLARITY SERVICES XXXX XXXX XXXX XXXX/XXXX/XXXX CLARITY/A MICUS- ALCHEMY Inquired on XXXX/XXXX/XXXX CREDIT NINJA/FM XXXX Inquired on XXXX/XXXX/XXXX XXXX and XXXX XXXX CREDIT NINJA/FM XXXX Inquired on XXXX/XXXX/XXXX XXXX and XXXX XX/XX/XXXX EXETER FINANCE/ WCG Inquired on XXXX/XXXX/XXXX EXPERIAN Inquired on XX/XX/XXXX EXPERIAN Inquired on XXXX/XXXX/XXXX TRUELINK Inquired XXXX XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX SYNCHRO NY XXXX Inquired on XXXX/XXXX/XXXX ONEMAIN Inquired on XXXX/XXXX/XXXX SYNCHRO NY XXXX Inquired on XXXX/XXXX/XXXX Name SELF/Final Demand for Compliance I respectfully demand that TransUnion immediately block and delete these accounts, ensuring no reinsertion into XXXX credit report, as stipulated by XXXX U.S.C. XXXX.

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