Consumer complaint received 2025-03-22 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:
As a minority, XXXX XXXX who has been living in this country since birth, with a fiance and expecting a newborn, who has been unjustly targeted and victimized by the credit reporting industrys reckless and illegal practices. I am also a victim of identity theft, and despite numerous attempts to resolve these issues directly with the credit bureaus, they have continuously refused to provide any meaningful assistance or properly investigate the fraudulent accounts and unauthorized inquiries. Their ongoing negligence and refusal to correct errors have left me stuck in an endless cycle of financial despair and insecurity. 
These actions are not only robbing me of financial security but are deliberately pushing my family toward generational poverty. This is a direct violation of my civil rights and human dignity. The three major credit reporting agenciesExperian, Equifax, and TransUnionhave acted criminally in reporting false, unverified, and outdated information, disregarding their obligations under federal law. This is more than just financial damagethis is an outright assault on my future and my family 's well-being. 

Please delete/remove these unauthorized and fraudulent accounts and hard inquires : EXPERIAN : Fraudulent Accounts : 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 XXXXXX/XX/XXXX EQUIFAX : Fraudulent Accounts : 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 TRANSUNION : Fraudulent Accounts : 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 XXXXXX/XX/XXXX These credit reporting agencies are in blatant violation of multiple federal statutes and consumer protection laws, including : The Fair Credit Reporting Act ( FCRA ), for failing to ensure maximum possible accuracy ( 15 USC 1681e ( b ) ) and failing to block fraudulent information resulting from identity theft ( 15 USC 1681c-2 ).

The Fair Debt Collection Practices Act ( FDCPA ), for allowing harassment and continued reporting of unverified debt ( 15 USC 1692d and 15 USC 1692g ).

The Equal Credit Opportunity Act ( ECOA ), for perpetuating discrimination and unjustly denying me the ability to secure credit on fair terms.

The Federal Trade Commission Act ( FTC Act ), for engaging in unfair and deceptive practices that harm consumers.

I demand immediate action to delete all fraudulent accounts and hard inquiries from my credit report, as outlined under 15 U.S. Code 1681c2 within 4 days. Pay {$1000.00} per violation under the FCRA for each instance of willful noncompliance and negligence. 

This is my final request before I escalate this matter legally. If the fraudulent accounts and inquiries are not removed immediately within 4 days, and if the certified payment for violations is not sent within 10 days, I will proceed with legal action for actual damages, which will far exceed the statutory {$1000.00} per violation. 
I expect an immediate resolution. Failure to act will not go unanswered. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXXXXXX 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