Consumer complaint received 2025-09-17 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: GA

Complaint narrative:
I am demanding a full manual reinvestigation under FCRA XXXX, not a system-generated or template Metro 2 e-OSCAR response. Per federal case law ( XXXX v. TransUnion, XXXX v. XXXX ), automated responses without human review do not satisfy the 'reasonable investigation ' standard required by law. Any response that does not include actual documentation, timestamped logs, or certified verification will be treated as willful noncompliance under 15 U.S.C. 1681n and 16810. ". Supporting Documentation Uploaded ( Supervisor Review Requested ) : I have uploaded verified, notarized documentation including my Notice of Intent to Sue, UCC-1 Financing Statement, unauthorized inquiry list, and a comprehensive FCRA violation summary citing binding tederal case law. These documents establish repeated statutory violations under 15 U.S.C. 1681 elb ), 1681i, and 1681s-2 ( b ), including reinsertion without certification, Metro 2 compliance breaches, and failure to provide proof of accuracy. I am formally requesting supervisor-level review and manual reinvestigation. I explicitly reject any template or automated Metro 2 responses. This matter involves legal liability and contractual security interests, and must be handled accordingly. " If this agency fails to act on its regulatory duty under the Fair Credit Reporting Act and allows continued violations despite clear evidence and notarized filings, it will be documented as willful neglect under federal administrative code and escalated to congressional oversight committee. These rules ; legitimate identity theft claims are still strong under FCRA 1681i ( a ), 1681i ( a ) ( 5 ), 1681e ( b has all been violated in my instance. Additionally, Im a victim of the following data breaches XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Login Credentials Leak, Cybersecurity investigators uncovered one of the largest breaches ever, involving XXXX fresh login credentials across major platforms like XXXX, XXXX, XXXX, XXXX, XXXX, and even some government services.. These following listed accounts must be deleted and suppressed immediately per FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount {$1100.00} This creditor has reported a charge-off of my auto loan, yet I have received no IRS XXXX form indicating cancellation of debt. If the creditor claimed a loss to the IRS, they are required to issue that form. Reporting a charge-off to the IRS while XXXX to issue a XXXX and continuing to report inaccurately to credit bureaus constitutes both a tax fraud risk and a violation of 15 U.S.C. 1681s-2 for incomplete and misleading reporting .. additionally note all theee bureaus are reporting different balances for this account. 
XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX ( identity theft ) I have filed a complaint against this company ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This creditor has reported a charge-off of an account thats opened without my knowledge and deemed identity theft, EVEN WORSE yet I have received no IRS XXXX form indicating cancellation of debt. If the creditor claimed a loss to the IRS, they are required to issue that form. Reporting a charge-off to the IRS while failing to issue a XXXX and continuing to report inaccurately to credit bureaus constitutes both a tax fraud risk and a violation of 15 U.S.C. 1681s-2 for incomplete and misleading reporting. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account ending in XXXX { identity theft ) m I have filed a complaint against this company ) INQUIRIES XXXX OF XXXX, XXXX OF XXXX, XXXX OF XXXX, XXXX OF XXXX, XXXX XXXX XXXX I am demanding a full manual reinvestigation under FCRA XXXX, not a system-generated or template Metro XXXX XXXX response. Per federal case law ( XXXX v. TransUnion, XXXX v. XXXX ), automated responses without human review do not satisfy the 'reasonable investigation ' standard required by law. Any response that does not include actual documentation, timestamped logs, or certified verification will be treated as willful noncompliance under 15 U.S.C. 1681n and 16810. ". Supporting Documentation Uploaded ( Supervisor Review Requested ) : I have uploaded verified, notarized documentation including my Notice of Intent to Sue, UCC-1 Financing Statement, unauthorized inquiry list, and a comprehensive FCRA violation summary citing binding tederal case law. These documents establish repeated statutory violations under 15 U.S.C. 1681 elb ), 1681i, and 1681s-2 ( b ), including reinsertion without certification, Metro 2 compliance breaches, and failure to provide proof of accuracy. I am formally requesting supervisor-level review and manual reinvestigation. I explicitly reject any template or automated Metro 2 responses. This matter involves legal liability and contractual security interests, and must be handled accordingly. " If this agency fails to act on its regulatory duty under the Fair Credit Reporting Act and allows continued violations despite clear evidence and notarized filings, it will be documented as willful neglect under federal administrative code and escalated to congressional oversight committee. These rules ; legitimate identity theft claims are still strong under FCRA 1681i ( a ), 1681i ( a ) ( 5 ), 1681e ( b has all been violated in my instance. Additionally, Im a victim of the following data breaches ; XXXX XXXX Broker Breach ( Spring XXXX  ), XXXX XXXX XXXX ( XX/XX/year> ), XXXX XXXX Login Credentials Leak, Cybersecurity investigators uncovered one of the largest breaches ever, involving XXXX fresh login credentials across major platforms like XXXX, XXXX, XXXX, XXXX, XXXX, and even some government services.

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