Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
After reviewing my updated credit report, I am appalled at the credit reporting agencies as they repeatedly failed to address fraudulent accounts and unauthorized hard inquiries that I have previously disputed. They have broken a total of 3 laws : The FTC Act, ECOA, and the FCRA. I am writing again to demand immediate action to block and delete these entries in full compliance with federal law. The creditors negligence and irresponsibility to remove these unauthorized inquiries is costing me and my family to suffer for me to provide them a better life. As a XXXX XXXX and father, I carry the heavy responsibility of providing for my family, but these fraudulent entries have severely hindered my ability to achieve financial stability. This is more than just a disputeit reflects the systemic barriers I continue to face while trying to secure a better future for my household. Under 15 U.S. Code 1681c2, Credit agencies are legally required to block all fraudulent information within 4 business days of receiving my identity theft documentation. Your failure to comply has violated my rights under the Fair Credit Reporting Act ( FCRA ). They also violated my equal credit opportunity rights, under ECOA Regulation B ( 12 CFR 1002.4 ) Discrimination in Any Aspect of a Credit Transaction. Credit bureaus and creditors can not engage in practices that disproportionately harm a protected class. Violation : If you can prove that the reinserted fraudulent accounts disproportionately affect minorities or single parents, it could be considered a pattern of discrimination, violating 12 CFR 1002.4. The last law that the credit agencies broke and violated is the FTC Act Violation Deceptive and Unfair Practices. Under the FTC Act ( 15 U.S.C. 45 ), businesses, including credit bureaus and data furnishers, are prohibited from engaging in unfair or deceptive acts or practices in commerce. The specific violations in your case fall under Section 5 of the FTC Act. 1. Unfair Practices Failure to Honor Identity Theft Block FTC Act Section 5 ( a ) ( 15 U.S.C. 45 ( a ) ) Prohibition of Unfair or Deceptive Acts A business practice is unfair if it : Causes substantial injury to consumers. Can not be reasonably avoided by consumers. Has no countervailing benefit to consumers or competition. Violation : The credit bureau removed the fraudulent accounts but then reinserted them without justification. This caused harm to you ( lower credit score, potential financial loss ). You could not have prevented it since they failed to notify you properly. There is no legitimate reason to allow fraudulent accounts to reappear. This is an unfair practice under FTC Act 5 ( a ). 2. Deceptive Practices Misrepresentation of Consumer Rights FTC Act Section 5 ( a ) ( 15 U.S.C. 45 ( a ) ) Deceptive Business Practices A practice is deceptive if it : Misrepresents or omits material facts that would affect a consumers decision. Leads a reasonable consumer to believe false or misleading information. Violation : The credit bureaus misrepresented that the fraudulent accounts were permanently removed. By re-reporting the fraudulent accounts, they misled you into believing they had complied with the law. This is a deceptive act under FTC Act 5 ( a ). 3. Failure to Follow Identity Theft Consumer Protections FTC Identity Theft Rules ( 16 CFR Part 681 ) The FTC enforces identity theft rules under the FTC Act. These rules require credit bureaus and furnishers to take reasonable steps to prevent reinsertion of fraudulent data. Violation : By failing to prevent reinsertion of fraudulent accounts, they violated FTC rules under 16 CFR Part 681, which are tied to FTC Act enforcement. Please immediately delete and block the fraudulent accounts and unauthorized hard inquiries listed above. The credit agencies must adhere to 15 U.S. Code 1681c-2 by blocking the entries within 4 business days of receiving this complaint. their continued inaction has already caused harm and is a direct violation of my rights under the FCRA. For violating the FTC Act, ECOA, and my rights, I request you send payment immediately via Certified Funds to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX

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