Consumer complaint received 2025-01-08 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:
I am writing to formally lodge a complaint against Experian for their failure to address fraudulent accounts and unauthorized inquiries that have been reported on my credit report. Despite my numerous efforts to resolve these issues, including filing disputes and providing documentation, Experian has not fulfilled its obligations under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

Background On XX/XX/year>, I filed a formal complaint with the CFPB under Complaint Number XXXX. This was in response to Experians failure to : Properly investigate and address fraudulent accounts and unauthorized inquiries on my credit report. 

Notify me of the results of their investigation in a clear and accurate manner. 

Take corrective actions to remove erroneous information from my credit file. 

Details of Fraudulent Accounts and Unauthorized Inquiries The following companies have been incorrectly reported as accounts or inquiries on my credit report. I have no relationship with these companies, nor have I authorized any transactions or inquiries : 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 Legal Violations Experians continued reporting of these accounts and inquiries constitutes clear violations of : Fair Credit Reporting Act ( FCRA ) : Section 1681i : Experian failed to reinvestigate and correct disputed items. 

Section 1681b : Unauthorized inquiries were made without my consent, violating permissible purpose requirements. 

Fair and Accurate Credit Transactions Act ( FACTA ) : Experian has not adequately implemented fraud alerts or credit freezes as requested, further exposing me to potential identity theft. 

Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : The presence of fraudulent accounts and unauthorized inquiries indicates potential identity theft and misuse of my personal information. 

Impact on Me as a Consumer Experians negligence has caused significant harm to me, including : Financial Loss : My lowered credit score has resulted in higher interest rates and denial of credit opportunities. 

Emotional Distress : The anxiety and frustration caused by Experians inaction have been severe and ongoing.

Requested Actions I res
pectfully request that the CFPB take the following steps : Investigate Experians mishandling of my disputes and ensure compliance with the FCRA, FACTA, and other relevant laws.

Require Experian to remove all fraudulent accounts and unauthorized inquiries from my credit report.

Mandate compensation for the financial and emotional damages caused by Experians negligence.

Provide oversight to ensure Experian implements corrective measures to prevent similar occurrences in the future.

Supporting Documentation I have attached copies of : My previous CFPB complaint.

Correspondence with Experian regarding these disputes.

Supporting documentation, including proof of identity and evidence of harm.

Conclusion I appreciate the CFPBs commitment to protecting consumers like myself and ensuring accountability for credit reporting agencies. I urge you to take swift and decisive action to resolve these issues and restore the accuracy of my credit report.

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