Consumer complaint received 2025-02-28 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:
RE : Social Security Number : XXXXSubject : Request for Credit Report Correction : Victim of Labor Trafficking and Identity Theft Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against [ Name of Credit Reporting Agency or Collection Agency ] for failing to remove fraudulent information from my credit report despite multiple disputes and legal obligations under federal law. As a victim of labor trafficking and identity theft, I am experiencing severe financial harm due to their non-compliance with consumer protection laws. 

I. Explanation of the Situation Victim of Identity Theft : My personal information was compromised, leading to fraudulent accounts being opened in my name. This issue worsened when my wallet, containing my Social Security card and drivers license, was stolen from my car. These fraudulent activities have caused substantial financial burdens and negatively impacted my credit score. 

Victim of Labor Trafficking : From XX/XX/XXXX, to XX/XX/XXXX, I was a victim of labor trafficking. During this period, I was forced to work without pay and had no control over my financial affairs. As a result, numerous fraudulent accounts and inaccurate items were added to my credit report without my knowledge or consent. 

Data Breach Impact & Failure to Protect My Information : My personal information was exposed in a data breach involving XXXX XXXX XXXX. Despite my repeated requests to update my information and place fraud alerts, the credit bureaus have failed to act, leaving me susceptible to continued fraud. Each credit reporting agency has refused to provide the method of verification for disputed accounts, violating my rights under multiple federal laws : 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 personal data.

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

II. Request for Deletions/Updates As a consumer protected under federal law, I demand the following corrections to ensure the accuracy of my credit report : Full Legal Name : Ensure my full legal name is displayed as XXXX XXXX only. 

Address Update : Delete all outdated and irrelevant addresses. 

The only valid address is : XXXX XXXX XXXX, XXXX, GA XXXX. 

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

Social Security Number & Date of Birth : Remove my Social Security number and date of birth from public display. 

Employer Information : Delete all employer information listed in my report. 

III. Disputed Bankruptcy Entry I dispute the inaccurate reporting of a Chapter 7 Bankruptcy on my credit report : Type : Chapter 7 Bankruptcy Date Filed/Reported : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Reference Numbers : TransUnion : XXXX Experian : XXXX Equifax : XXXX Court Reporting : TransUnion : XXXXXXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX : {$0.00} I contacted the U.S. Bankruptcy Court , which confirmed in writing that they do not report bankruptcies to credit bureaus. As such, I demand the immediate removal of this erroneous bankruptcy entry. I have enclosed : A copy of my government-issued ID A copy of a recent utility bill ( proof of address ) The courts statement confirming they do not report to credit bureaus A copy of my credit report with the disputed bankruptcy entry highlighted

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