Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized changes and fraudulent accounts on my consumer report. Despite my numerous attempts to contact Experian and seek resolution, I have been unable to obtain any satisfactory assistance. I believe this situation is a clear violation of consumer rights and raises serious concerns about the security and accuracy of my personal information. 

The unauthorized changes made to my consumer report include the alteration of my password, email address, and phone number, all of which were done without my knowledge or consent. This unauthorized access has put my sensitive information at risk and has potentially exposed me to further fraudulent activities. 

I request that Experian promptly forward to me the details of the fraudulent email address and phone number listed on my consumer report. Additionally, I require the exact date and time when these changes were made for my personal investigation and records. It is crucial for me to understand the scope and timeline of this breach to take appropriate action to safeguard my identity. 

Furthermore, I am deeply concerned about the presence of fraudulent accounts on my consumer report. Experian 's response to my report of these fraudulent accounts has been disheartening, as I was informed that Experian does not bear responsibility for ensuring a complete and accurate consumer report. Instead, I was directed to the furnishers of the information, who claim the authority to delete any reported information, leaving me without a viable option for addressing the fraud that has occurred. 

I must emphasize that I hold Experian accountable for safeguarding my personal information and providing me with an accurate and reliable consumer report. I believe that Experian has failed in its duty to protect my data, and this negligence has caused significant harm and potential financial repercussions. 

I kindly request that Experian takes immediate action to rectify this situation by thoroughly investigating the unauthorized changes, providing me with the requested details, and taking appropriate measures to ensure the accuracy and security of my consumer report. I also expect to receive a written response within [ specify a reasonable timeframe ] outlining the steps Experian will take to address this matter. 

If a satisfactory resolution is not achieved, I am prepared to escalate this complaint to the relevant regulatory authorities, including the Consumer Financial Protection Bureau and the Federal Trade Commission. I am also considering seeking legal advice to protect my rights and seek appropriate compensation for the damages I have suffered. 

I trust that Experian will treat this matter with the urgency and seriousness it deserves. I look forward to a swift and satisfactory resolution to this issue. 

Thank you for your immediate attention to this matter. 

Sincerely,

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