Consumer complaint received 2025-01-27 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: MD

Complaint narrative:
Dear CFPB Team, I am writing to seek your assistance in resolving significant issues I have been facing with the major credit reporting agencies that pertain to both the aftermath of the recent XXXX data breach and ongoing improper handling of my credit report details by credit reporting companies. 

**Background : ** XXXX. XXXX XXXX XXXX XXXX ** As one of the millions impacted by the XXXX XXXX breach, I have been experiencing manifold issues stemming from unauthorized activities on my credit report. 

XXXX. **Improper Investigations and Reassertions : ** In alignment with the CFPBs recent lawsuit against Experian for erroneously reasserting items on consumer reports without following mandatory procedures, my credit reports currently contain accounts that should have been permanently deleted. The reporting agencies have either ignored previous disputes or incorrect behaviors like reassertion without proper notification and validation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Over the past several months, I have pursued multiple dispute channels : 1. **Direct Requests to Credit Reporting Agencies : ** I initially approached the credit bureaus with comprehensive evidence, including personal identity proofs and prior resolutions, requesting immediate removal of these unauthorized accounts. 

XXXX. **Violated Rights under FCRA and FDCPA : ** Despite fulfilling statutory requisites and adherence to official dispute procedures per FCRA XXXX these agencies have failed in their duty to delete disputed data appropriately. 

Not only have some erroneous items been retained, but others have been reinstated without prior notification or adequate reinvestigation, aggravating my circumstances amid the suffering credit history from identity theft breaches. 

**Request for Assistance : ** With the Continuous distress caused by these recurring offenses, I am left with no choice but to seek the CFPB XXXX intervention. My measured requests are : 1. **Facilitation of Proper Investigation : ** I request your assistance in ensuring that credit agencies conduct the requisite thorough and good-faith investigations and eliminate improper data.

2. **Corrective Measures and Consumer Protection Measures : ** Hold credit entities accountable for procedural lapses, ensuring enhanced protections against similar future occurrences. 

Enclosed are all relevant documents, including previous notifications, credit reports featuring the contested entries, and recorded correspondences with the involved credit agencies. 

I am hopeful for your vital guidance and direct engagement with this ongoing infringement upon my consumer rights. Timely closure to such media is paramount for my financial recovery and continuance. 

Thank you for considering my plea for assistance. I eagerly await your positive response.

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