Consumer complaint received 2025-03-29 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: SC

Complaint narrative:
This letter is a formal complaint and demand for immediate action regarding multiple fraudulent accounts that have appeared on my credit reports due to negligent data practices and the failure of your agencies to protect and maintain accurate consumer information. 



My personal data was exposed in multiple breaches, including those involving XXXX XXXX and Equifax, without my consent. As a direct result, I have suffered ongoing damage due to fraudulent accounts falsely attributed to me. 



The following accounts were fraudulently opened or reported without my knowledge or authorization : XXXX ( XXXX XXXX Bank ) XXXX XXXX XXXX of XXXX XXXX XXXX I have never had any accounts or obligations with these companies. These accounts were the result of identity theft and data breaches. I previously disputed these accounts and provided documentation supporting my claims. I was pressured into settling with XXXX, even though the debt was not mine, under the false assurance that the account would be removed. That has not happened, and the continued reporting is in violation of federal law. 



Furthermore, XXXX XXXX has reported collection activity on an illegitimate account, further damaging my credit and violating my rights under the law. 



Legal Violations This situation represents numerous violations of the Fair Credit Reporting Act ( FCRA ) and associated XXXX CXXXXe statutes, including : 15 U.S. CXXXXe XXXX Furnishers have a duty to provide accurate information and to investigate and correct errors. 

15 U.S. CXXXXe XXXXi Credit reporting agencies must conduct a reasonable reinvestigation of disputed information. 

15 U.S. CXXXXe XXXX Requires credit bureaus to block fraudulent information within XXXX business days upon receipt of identity theft documentation. 



You have failed at every level to uphold these obligations. Your continued inaction is not only grossly negligent, it is unlawful. 



Demands I am demanding the following actions be completed within XXXX calendar days of receipt of this letter : XXXX. Permanent deletion of all fraudulent accounts associated with XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX from my credit reports. 

XXXX. Written confirmation from all three credit reporting agenciesEquifax, Experian, and TransUnionthat these accounts have been removed. 

XXXX. A full XXXX investigation and a copy of the results provided to me. 

XXXX. A complete record of third-party entities that have accessed my credit report while these fraudulent accounts were listed. 



Failure to take corrective action will result in : A formal and detailed complaint filed with the Consumer Financial Protection Bureau ( CFPB ) Notification to the Federal Trade Commission ( FTC ) A complaint to the Office of the State Attorney General Legal action for willful violations of the FCRA I am documenting everything. You have XXXX opportunity to make this right. Fix it. Now.

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