Consumer complaint received 2025-11-12 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian P.O. XXXX XXXX XXXXXXXX XXXX XXXX SENT VIA CERTIFIED MAILRETURN RECEIPT REQUESTED Re : URGENTDemand for Complete Removal of All Fraud Indicators and Privacy Violations Dear Experian : I am writing to demand the immediate and permanent removal of ALL information that identifies me as a victim of identity theftXXXX XXXX XXXX, or fraud from my credit report. This includes all alerts, flags, notations, addresses, and any information visible to third parties that compromises my privacy and safety. 
PRIVACY VIOLATIONS AND DISCRIMINATORY REPORTING Your credit report contains numerous privacy-violating notations that alert potential creditors, employers, and other third parties to my victim status, including : Identity theft victim flags Human trafficking victim indicators Fraud alerts ( initial, extended, or active duty ) Fraudulent address notations Dispute history information Any codes or indicators that flag me as a victim VIOLATIONS OF FEDERAL LAW Your actions violate the following federal statutes : 15 U.S.C. 1681c ( a ) ( Requirements Relating to Information Contained in Consumer Reports ) Prohibits reporting of adverse information that is not accurate, complete, and verifiable. Victim status indicators are not credit-related information and should not appear on credit reports.

15 U.S.C. 1681e ( b ) ( Accuracy of Report ) Requires " reasonable procedures to assure maximum possible accuracy. '' Including victim status information that can lead to discrimination violates this requirement.

15 U.S.C. 1681m ( h ) ( 1 ) ( Risk-Based Pricing Notices ) Victim status indicators improperly influence credit decisions and risk-based pricing without being legitimate credit factors.

15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) Credit reports should only contain information for permissible purposes. Victim status serves no permissible purpose and violates privacy rights.

CFPB LAWSUITSYSTEMATIC FAILURES The Consumer Financial Protection Bureau 's lawsuit against Experian ( Case 8:25-cv-00024, filed January 7, 2025 ) documents that Experian : Sends notices that are " confusing, ambiguous, incorrect, and internally inconsistent '' ( Complaint 11 ) Fails to " follow reasonable procedures to assure maximum possible accuracy '' ( Complaint 6 ) Maintains information that should be deleted or modified ( Complaint 7 ) SPECIFIC DEMANDS FOR COMPLETE PRIVACY PROTECTION I demand the immediate and permanent removal of : ALL identity theft victim notationsvisible or coded ALL human trafficking victim indicatorsin any form ALL fraud alertsinitial, extended, or military ALL fraudulent addressespast or present ALL dispute historythat reveals victim status ALL special handling codesthat flag my account ALL notationsthat differentiate my report from standard reports ALL indicatorsthat could alert ANY third party to victim status Additionally, remove these fraudulent accounts resulting from data breaches : List of specific accounts : XXXX. XXXX  XXXX XXXX, NA Account # XXXX Date opened : XX/XX/XXXX Bal : {$68000.00} XXXX. XXXX  XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Bal- {$35000.00} XXXX. XXXX XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Bal- {$24000.00} XXXX. XXXX XXXX XXXX Date opened : XX/XX/XXXX Bal- {$61000.00} XXXX. SXXXX XXXX XXXX  Date opened : XX/XX/XXXX Bal- {$5000.00} XXXX. XXXX Account # XXXX Date opened : XX/XX/XXXX Bal : {$5400.00} XXXX. XXXX XXXX Account # XXXX Date opened : XX/XX/XXXX Bal- {$8300.00} XXXX. XXXX XXXX Date opened : XX/XX/XXXX Bal- {$380.00} XXXX XXXX XXXX  Date opened XX/XX/XXXX Bal- {$21000.00} XXXX. XXXX XXXX  Date opened : XX/XX/XXXX Bal- {$11000.00} XXXX. XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Bal- {$4000.00} XXXX. XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Bal- {$3900.00} XXXX. XXXX XXXXXXXX Date opened : XX/XX/XXXX Bal- {$420.00} XXXX. XXXX  XXXX Date opened : XX/XX/XXXX Bal : {$630.00} XXXX. XXXX XXXX XXXX : XX/XX/XXXX Bal- {$17000.00} XXXX. XXXX XXXX  Date opened XX/XX/XXXX Bal- {$3000.00} XXXX. XXXX XXXX  Account XXXX XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX - {$14000.00} XXXX. XXXXXXXX XXXX XXXX  Account # XXXX Date opened XX/XX/XXXX Bal- {$5200.00} XXXX. XXXX XXXX  XXXX Account # XXXX Date opened : XX/XX/XXXX Bal- {$11000.00} XXXX. XXXX XXXX  XXXX Account # XXXX Date opened XX/XX/XXXX Bal- {$940.00} XXXX. XXXX  XXXX Account # XXXX Date opened : XX/XX/XXXX Bal : - {$1200.00} XXXX. XXXX  XXXX Account # XXXX Date opened XX/XX/XXXX Bal- {$440.00} XXXX. XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Bal- {$20000.00} XXXX. REMOVE ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PRIVACY AND SAFETY CONCERNS Maintaining victim status information on my credit report : Violates my privacy rights Creates safety risks by identifying me as vulnerable Leads to discriminatory treatment in credit, employment, and housing Serves no legitimate business purpose Exceeds the scope of permissible credit reporting 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( Responsibilities of Furnishers ) Prohibits furnishing information " that the person knows or has reasonable cause to believe is inaccurate. '' Victim status is not credible information and is inaccurate to report.

DEMAND FOR IMMEDIATE ACTION Within four ( 4 ) business days, you must : Remove ALL victim-related information from my credit file Delete ALL alerts and flags visible to any third party Permanently delete all fraudulent accounts listed Ensure my report appears identical to any consumer without victim status Send written confirmation of complete removal Update all distributed reports to remove this information DAMAGES UNDER 15 U.S.C. 1681n Willful noncompliance subjects Experian to : Actual damages ( including emotional distress from privacy violations ) Statutory damages of {$100.00} to {$1000.00} Punitive damages Attorney 's fees and costs DEADLINE : XX/XX/XXXX This is not a request for special handlingit is a demand to remove ALL special handling and treat my credit report like any other consumer 's report. I should not be identifiable as a victim in any way. 
Failure to comply will result in immediate legal action for privacy violations and FCRA noncompliance. 
Sincerely, XXXX XXXX Enclosures : Current credit report showing victim notations List of all victim-status indicators to be removed cc : Consumer Financial Protection Bureau XXXX XXXX Federal Trade Commission XXXX XXXX Ohio Attorney General

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