Consumer complaint received 2025-03-05 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:
Complainant Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Against : Credit Reporting Agencies ( TransUnion , Equifax , Experian ) and Relevant Collection Agencies Subject : Request to Block Fraudulent Information Due to Identity Theft Details of the Complaint : I am submitting this complaint to formally request the immediate blocking and removal of fraudulent information from my credit report due to identity theft. I recently attempted to access my credit profile but was informed by representatives that I was unable to do so. This supports my claim of identity theft, as unauthorized accounts have been opened in my name. 

Despite multiple requests, my personal information has not been updated as required by law. This failure to act directly violates my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

Requested Deletions and Updates : Full Legal Name : My credit report should only display XXXX XXXX XXXX XXXX Address Update : Remove all outdated and irrelevant addresses from my report. 

Retain only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I can not receive mail at outdated addresses, so they must be removed immediately. 

Phone Numbers : Delete all phone numbers currently listed on my report. 

Social Security Number & Date of Birth : For privacy reasons, these should not be displayed on my credit report. 

Employer Information : Delete all employer information currently listed. 

Data Breach Impact & Failure to Protect My Information : I was a victim of multiple data breaches, which compromised my personal information, including : Equifax Breach ( XXXX ) : XXXX XXXX Social Security numbers, DOBs, and addresses exposed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  customer records, including passport numbers, leaked. 

Experian Breach ( XXXX ) : Millions of Social Security numbers and credit histories exposed. 

As a result of these breaches, fraudulent accounts were opened in my name. Despite repeated requests to update my personal information and place fraud alerts, the credit bureaus have failed to act, leaving me vulnerable to further fraud.

Additionally, each credit reporting agency has refused to provide the method of verification for disputed accounts, violating my consumer rights under multiple laws, including but not limited to : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide the method of verification.

15 U.S.C. 1681c-2 Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) Failure to properly safeguard my personal data.

15 U.S.C. 1681s-2 Failure of data furnishers to ensure accuracy in reporting. 

Disputed Accounts & Inconsistencies : I formally dispute several inaccuracies on my credit report, which contain discrepancies among TransUnion, Experian, and Equifax. These inconsistencies suggest identity theft and/or reporting errors that require immediate investigation and correction.

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