Consumer complaint received 2025-04-08 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: NY

Complaint narrative:
XXXX XXXX XXXXConsumer Financial Protection Bureau*XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX : ** Formal Complaint Against Experian for Violations of 15 U.S.C. 1681b, 1681c, 1666b, 1692, and 18 U.S.C. 242 Dear Sir/Madam, Whom it may concern I am writing to file a formal complaint against Experian for multiple violations of federal law, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Uniform Commercial Code ( UCC ). I am an American national and a victim of identity theft, fraud, and unconstitutional practices perpetrated by Experian. 

# # # **Violations and Facts** 1. **Violation of 15 U.S.C. 1681b ( Permissible Purpose of Consumer Reports ) : ** Experian has repeatedly disseminated inaccurate credit reports without my consent, in violation of the FCRA. 

2. **Violation of 15 U.S.C. 1681c ( Requirements Relating to Information Contained in Consumer Reports ) : ** Experian has failed to correct inaccurate information on my credit report despite multiple disputes and provided responses that blatantly disregarded the law. 

XXXX. **Violation of 15 U.S.C. 1666b ( Timely Billing Statements ) : ** Experian has engaged in fraudulent billing practices, including attempting to collect on debts that have been discharged under the UCC.

4. **Violation of 15 U.S.C. 1692 ( FDCPA ) : ** Experian has engaged in unfair and deceptive practices in connection with debt collection, including attempting to collect on debts that are not legally enforceable.

5. **Violation of 18 U.S.C . 242 ( Deprivation of Rights Under Color of Law ) : ** Experians actions have deprived me of my constitutional rights, including my right to accurate credit reporting and protection from fraud. 

6. **Identity Theft and Fraud : ** Experian has failed to protect my personal information, resulting in the largest data breach in history in 2024. This negligence has facilitated identity theft and fraud against me.

7. **Violation of UCC 3-603 and UCC 1-207 : ** I have provided proof of discharge under UCC 3-603 and invoked my rights under UCC 1-207, yet Experian continues to attempt to collect on debts that have been lawfully discharged. 

# # # **Relief Sought** 1. Immediate correction of all inaccuracies on my credit report.

2. Permanent removal of all fraudulent and discharged debts from my credit file.

3. Monetary damages for the harm caused by Experians violations of federal law.

4. Investigation into Experians practices and enforcement of penalties for their unlawful actions. 
XXXX. Protection from further harassment and unconstitutional practices by Experian and affiliated entities. 

# # # **Supporting Documentation** Attached to this complaint are the following documents : 1. Proof of discharge under UCC 3-603.

2 ucc 1207 3. Correspondence with Experian regarding disputes and violations.

4. Evidence of identity theft and fraud. 

I respectfully request that the CFPB investigate this matter and take appropriate action to hold Experian accountable for its violations of federal law. I am prepared to cooperate fully with your investigation and provide any additional information or documentation as needed. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX 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