Consumer complaint received 2025-04-29 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:
CFPB Complaint Identity Theft & FCRA Violation Complainant : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Email : XXXX Phone : XXXX FTC Report Number : XXXX Subject : XXXX XXXX XXXX Clarity Services Inc . Identity Theft, FCRA Violations, Unauthorized Inquiries, and Data Reporting To Whom It May Concern, I am submitting this formal complaint against XXXX XXXX XXXX for violating my rights under the Fair Credit Reporting Act ( FCRA ) and unlawfully retaining and reporting fraudulent data linked to identity theft, as outlined in my official FTC Identity Theft Report ( # XXXX ). This includes unauthorized addresses, inquiries, personal data, and bank accounts that I never owned, authorized, or consented to be furnished, reported, or retained. 

SPECIFIC VIOLATIONS AND ISSUES : 1. Unauthorized Reporting of Personal Data : Clarity Services has reported and/or maintained multiple addresses tied to identity theft, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX I have never lived at these addresses. They appear in your system due to fraudulent activity and must be removed and permanently suppressed. 
XXXX. Fraudulent Bank Accounts Reported : XXXX XXXX Account XXXX in XXXX XXXX XXXX XXXX  Account XXXX in XXXX Other accounts listed in your system tied to routing/account numbers : XXXX / XXXX ( XXXX Bank XXXX XXXX / XXXXXXXX XXXX XXXX XXXX XXXX XXXX I did not open these accounts, authorize them, or provide consent for XXXX XXXX to report or retain them. 
3. Unauthorized Inquiries : Your records show multiple inquiries from payday and installment loan companies, many dated XX/XX/year>, including : XXXX XXXX XXXX XXXX XXXX XXXX Loans Credit XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were not initiated by me and stem from fraudulent use of my identity. I demand they be permanently removed and blocked under XXXX XXXX. XXXX. 
4. Lack of Permissible Purpose and Written Consent : Under 15 U.S.C. 1681b ( a ) ( 2 ) and 1681b ( c ) ( 1 ) ( A ), no entity including Clarity Services Inc. is permitted to furnish or retain my consumer information without direct written authorization or legitimate permissible purpose. I never authorized Clarity Services to report, furnish, or store any personal data, inquiries, or financial history.

5. Failure to Maintain Maximum Possible Accuracy : Under 15 U.S.C. 1681e ( b ), Clarity has failed to assure the maximum possible accuracy of my consumer file by retaining and displaying information that has been officially identified as fraudulent through the FTC and police report filings.

DEMAND FOR RELIEF : Immediate and permanent deletion of all addresses, accounts, bank information, and inquiries related to the identity theft described in FTC Report # XXXX. 
A complete block and suppression of all fraudulent data under 15 U.S.C. 1681c-2.

A detailed written explanation of XXXX XXXX XXXX XXXXnvestigation process and the source ( s ) of this fraudulent data.

Assurance that no such data will be reinserted into my consumer file unless it meets strict reinsertion requirements under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

I request that the Consumer Financial Protection Bureau compel XXXX XXXX XXXXXXXX XXXX to comply with federal law and protect my rights as a consumer and identity theft victim. If no immediate corrective action is taken, I reserve the right to pursue damages under 15 U.S.C. 1681n and 1681o. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation