Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Experian and Equifax regarding their failure to protect consumer data, which resulted in a massive data breach. This breach exposed my highly sensitive personal information, including my name, Social Security number, birth date, address, and more. 
Despite the passage of time, both Experian and Equifax continue to mishandle consumer data and fail to provide reasonable and sufficient remedies to victims like myself. 

Facts of the Complaint Exposure of Personal Data : As a result of the Equifax and Experian data breach, my personal and financial information was exposed without my consent. 
Failure to Notify : I was never informed in a timely manner about the fraudulent activity and identity theft involving my credit profile. 
Accounts That Do Not Belong to Me : The following fraudulent or unauthorized accounts appeared on my credit report and are the direct result of identity theft and data mishandling. I am requesting their immediate removal : XXXXXXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$34000.00}. 

XXXX XXXXXXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXXXXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$7600.00} Collection account from XXXX XXXX with account # XXXX and a balance of {$130.00}. 
The original creditor is XXXX XXXXXXXX XXXX 


These accounts were opened or reported without my knowledge or consent, and I have submitted disputes which have not resulted in proper resolution. 

Unauthorized Hard Inquiries Additionally, I am requesting the removal of all unauthorized inquiries made without my permission, which are further evidence of fraudulent activity linked to my stolen information : Inquiry from XXXX XXXXXXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX Mental and Financial Harm As a result of this breach and ongoing inaction, my credit score has dropped over XXXX points, making it nearly impossible to access housing, credit, or financial stability. I am now homeless and experiencing XXXX XXXX XXXX XXXX due to the financial instability caused by these fraudulent entries. 

This situation is not just affecting me but also directly impacting my children. I am asking for help because the credit reporting agencies have failed to protect me and have failed to correct false information in a timely manner. 

According to 12 U.S.C. 5531, the CFPB has the authority to take enforcement action against entities that engage in unfair, deceptive, or abusive acts or practices. Additionally, under relevant laws, including the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), these agencies are required to investigate and correct disputes within 4 business days of receiving sufficient information.

Request for Immediate Action I am requesting the immediate deletion of all fraudulent accounts and hard inquiries listed above, as well as a thorough investigation into Experian and Equifaxs ongoing negligence in handling consumer data and identity theft reports. 
Please take this matter seriously, as it is causing significant and lasting harm to myself and my family. 
Sincerely, XXXX XXXX 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