Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
Subject : Complaint Regarding Consumer Rights Violations by Experian, Including Identity Theft and XXXXXXXX XXXX XXXX XXXXXXXX Impact Description of the Issue : I am filing this formal complaint to report serious violations of my consumer rights by Experian, as well as ongoing consequences stemming from the XXXX XXXX data breach, which exposed my sensitive personal information to unauthorized third parties. 



2. Experian Violation : Experian has reported inaccurate, outdated, and possibly fraudulent information in my credit report, and has failed to fulfill its responsibilities to : Adequately investigate my disputes and correct or remove the information as required under the FCRA.

Properly respond to my identity theft report, including accounts or inquiries I did not authorize. 


Provide detailed documentation or a valid source of verification for the disputed entries. 


Provide necessary fraud protection or security freezes after being informed of identity theft concerns. 


Experian 's continued reporting of inaccurate and harmful dataespecially in light of my identity theft claimsdemonstrates potential willful noncompliance with federal consumer protection laws. 

3. Impact of the XXXX XXXX XXXX XXXX  : My personal information, including my Social Security number, was exposed during the massive XXXX XXXX XXXX in XXXX. This breach placed me at ongoing risk of identity theft and directly contributed to the fraudulent activity appearing on my Experian reports. 
Despite being aware of the breach and its risks, neither Experian nor XXXX  took appropriate steps to ensure the integrity of my data or to protect me from identity theft-related reporting errors. 

Impact and Relief Sought : These violations have caused : Denial of financial services, such as opening bank accounts or securing credit. 


Emotional distress due to the handling of sensitive and fraudulent data. 


Ongoing consequences related to identity theft and breach-related data misuse. 


I am requesting : Immediate reinvestigation and removal of all inaccurate, unverifiable, and fraudulent items from my Experian reports.

Full documentation of any information used to verify disputed entries. 


Stronger identity theft protections, such as security freezes or fraud alerts applied across bureaus. 


Written confirmation of all actions taken to correct my consumer file. 


Consideration of restitution for the harm done due to mishandling of my personal data and failure to follow FCRA obligations. 


Please consider this a formal dispute and notice of consumer harm. I request this matter be resolved promptly and in compliance with applicable federal and state laws. I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal counsel if necessary.

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