Consumer complaint received 2025-12-23 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: CA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am filing this escalated complaint against Experian, TransUnion, and Equifax ( collectively, the " Credit Bureaus '' ) for their continued willful and negligent violations of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801 et seq. ), the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ), and other federal laws. Despite my previous disputes and submission of an FTC Identity Theft Report, the Credit Bureaus have failed to permanently delete the remaining fraudulent account and all unauthorized inquiries from my credit reports. This ongoing reporting has caused severe financial harm, emotional distress, paranoia requiring medication, defamation of character, and infringement on my privacy rights, ruining my reputation and ability to obtain credit, housing, or employment. 

I am a victim of identity theft, as documented in the attached FTC Identity Theft Report ( FTC Report Number : XXXX, dated XX/XX/XXXX ). My personal information was stolen and used without my consent, leading to unauthorized accounts and inquiries. Other fraudulent accounts ( e.g., XXXX and XXXX XXXX XXXX ) have been removed following prior disputes, but the following items remain and must be blocked and deleted immediately : Fraudulent Account : Account Name : XXXX XXXX Account Number XXXX XXXX Status : Result of identity theft ; unauthorized and unverifiabledelete immediately. 

Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, Inquired on XX/XX/XXXX XXXX XXXX, Inquired on XX/XX/XXXX XXXX XXXX, Inquired on XX/XX/XXXX XXXX XXXX, Inquired on XX/XX/XXXX XXXX XXXX, Inquired on XX/XX/XXXX XXXX XXXX, Inquired on XX/XX/XXXX XXXX XXXX, Inquired on XX/XX/XXXXXXXX XXXX XXXX, Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, Inquired on XX/XX/XXXX XXXX XXXX, Inquired on XX/XX/XXXX These items are inaccurate, unverifiable XXXX and the direct result of identity theft and data breaches ( e.g., Equifax and Experian breaches ), violating 15 U.S.C. 1681 ( inaccurate reporting ). I did not consent to, authorize, or benefit from any of them. Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus must block information resulting from identity theft within XXXX ( XXXX ) business days of receiving a valid identity theft report and proof of identity ( provided herein, including my California Driver 's License and XXXX XXXX XXXXXXXX account statement ). Under FCRA Section 611 ( 15 U.S.C. 1681i ), they must reinvestigate within XXXX ( XXXX ) days and delete any unverifiable information. These items can not be verified with a legitimate source, as they stem from fraud. 
The Credit Bureaus have violated FCRA Section 623 ( a ) ( 15 U.S.C. 1681s-2 ( a ) ) by furnishing and reporting inaccurate information without reasonable procedures to ensure accuracy under FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). Reporting these fraudulent items without my consent infringes on my privacy rights under FCRA Section 602 ( a ) ( 4 ) ( 15 U.S.C. 1681 ( a ) ( 4 ) ), where Congress grants consumers the right to determine what personal information is private. I deem my inquiry and account information private and do not consent to its sharing. This misleading reporting would deceive future creditors into believing I applied for or owe these items, violating FDCPA Section 807 ( 15 U.S.C. 1692e ) by using false, deceptive, or misleading representations. The Credit Bureaus did not witness my authorization, yet accepted and reported this information willfully, exposing them to civil liability under FCRA Section 616 ( 15 U.S.C. 1681n ) of up to {$1000.00} per violation, plus actual and punitive damages.

Under GLBA Section 502 ( 15 U.S.C. 6802 ), nonpublic personal information can not be disclosed without consumer consent or notice of opt-out rights, which was never provideddeceptive and violative of my rights. Sharing my information without consent constitutes aggravated identity theft under 18 U.S.C. 1028A, punishable by up to XXXX  years imprisonment. The Credit Bureaus furnished deceptive forms under FDCPA Section 810 ( 15 U.S.C. 1692j ), reporting unvalidated " debts '' not according to XXXX, with positive balances misleadingly presented as owed amounts ( no negative balances shown ). This is unfair under FDCPA Section 808 ( 15 U.S.C. 1692f ), as there is no law requiring payment of unvalidated bills, and collectors used symbols ( e.g., logos ) on envelopes indicating debt collection.

As the consumer, I am the original creditor under FDCPA definitions ( 15 U.S.C. 1692a ), and I do not grant permission to defer payments or report these items. I do not validate these debts under FDCPA Section 809 ( 15 U.S.C. 1692g ) ; only I can validate, and these do not exist. No permissible purpose exists under FCRA Section 604 ( 15 U.S.C. 1681b ), as I provided no written instructions. Acquiring and sharing my location information ( e.g., address ) while stating I owe a " debt '' violates FDCPA Section 803 ( 15 U.S.C. 1692b ( 2 ) ). Reporting " late payments '' without definition in TILA, FCRA, or FDCPA is deceptive, and finance charges under TILA Section 106 ( 15 U.S.C. 1605 ) are unverified. This harassing conduct under FDCPA Section 806 ( 15 U.S.C. 1692d ) has caused abuse, oppression, and harm to my reputationdefamation evidenced by attached credit reports. Under 18 U.S.C. 1581 ( a ) ( 3 ), this is fraud using my identifying information. If payments were made on invalid debts, refund them under FDCPA Section 813 ( 15 U.S.C. 1692h ).

Under FCRA Section 609 ( 15 U.S.C. 1681g ), disclose all retained documents used to " verify '' these itemsdo not claim mere provider verification ; send copies. If goods/services were receive. Provide XXXXvalidated debt details or remove immediately. These violations are systemic across all bureaus, direct results of data breaches, and willful noncompliance. I certify this request is not erroneous, not based on misrepresentation, and I did not knowingly obtain goods/services from these transactions. As the consumer with authority ( citing XXXX  XXXX XXXX, XXXX presumption of no debt without proof ), delete ASAP or face small claims litigation. Copies sent to Attorney General, XXXX, and FTC.

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