Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Complaint Against Credit Bureaus and Collection Agencies for Failure to Remove Fraudulent Information Due to Identity Theft Dear Consumer Financial Protection Bureau , I am submitting this formal complaint against credit reporting agencies and collection agencies for their failure to remove fraudulent information from my credit report, despite multiple requests and supporting documentation proving I am a victim of identity theft. 

Background of the Complaint : Prior to last week, I contacted several representatives who informed me that I was unable to access my credit profile. This directly supports my claim of identity theft, as unauthorized accounts have been opened in my name. 

Despite multiple requests, my personal information has not been updated as required by law. This failure to act has directly violated my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

Requested Deletions from My Credit Report : Full Legal Name : Ensure my legal name is displayed accurately as XXXX XXXX only. 

Address Update : Remove all outdated and irrelevant addresses. 

The only address I request to be included is : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. 

Phone Numbers : Delete all phone numbers currently listed on my report. 

Social Security Number & Date of Birth : Remove my SSN and DOB from being displayed on my credit report for privacy reasons. 

Employer Information : Delete all employer details listed on my report. 

Data Breach Impact & Failure to Protect My Information : My personal information was compromised in multiple data breaches, which led to fraudulent accounts being opened in my name. Despite requesting fraud alerts and updates, credit bureaus failed to act, leaving me vulnerable. These breaches include : XXXX XXXX XXXX Data Breach Resulted in my personal information being exposed. 

Equifax Breach ( XXXX ) XXXX XXXX Social Security numbers, DOBs, and addresses leaked. 

XXXX XXXX ( XXXX ) XXXX XXXX customer records, including passport numbers, leaked. 

Experian Breach ( XXXX ) Millions of SSNs and credit histories were exposed. 

As a result, fraudulent accounts appeared on my credit report. Credit reporting agencies have refused to provide the method of verification for disputed accounts, violating the following laws : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide the method of verification. 

15 U.S.C. 1681c-2 Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) Failure to properly safeguard my personal data. 

15 U.S.C. 1681s-2 Failure of data furnishers to ensure accuracy in reporting. 

Disputed Accounts & Inconsistencies : I am disputing inaccuracies across TransUnion, Experian, and Equifax, as discrepancies exist in reporting, indicating identity theft. I demand immediate investigation and correction

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