Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
CFPB COMPLAINT IDENTITY THEFT ( XXXX, XXXX CLARITY SERVICEXXXX ) Complainant : Name : XXXX XXXX Address : XXXX XXXX XXXX Place, XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX FTC Report No. : XXXX Complaint XXXX : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX 
XXXX. Clarity Services , Inc. ( a part of XXXX  ) Nature of Complaint : I am a victim of identity theft. I never authorized XXXX, XXXX, or Clarity Services to access, collect, or distribute my personal information. I have no prior relationship or agreement with these entities and was never notified or provided an opportunity to opt out of their data collection. 

Despite this, these agencies have unlawfully reported and retained fraudulent inquiries and/or accounts attributed to my name without permissible purpose or written authorization, in direct violation of : XXXX5 U.S. Code 1681b ( f ) Prohibits obtaining a consumer report under false pretenses or without a permissible purpose.

15 U.S. Code 1681e ( a ) Requires agencies to maintain reasonable procedures to ensure accuracy and prevent unauthorized use.

15 U.S. Code 1681g & 1681h Mandates disclosure of information and procedures followed for identity theft victims.

15 U.S. Code 1681c-2 Requires nationwide consumer reporting agencies to block information resulting from identity theft when properly notified.

I have already filed an official FTC Identity Theft Report. The report clearly lists the following as fraudulent inquiries and accounts related to identity theft : Fraudulent Inquiries : Clarity Services, XXXX, and others. 
Fraudulent Accounts : Multiple accounts and inquiries, including XXXX XXXX Bank, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Funding, and others. 

I never lived at the fraudulent addresses or authorized any accounts listed in the FTC report. The presence of these inquiries and reports on my consumer file constitutes willful and negligent violations of the FCRA and causes me ongoing harm, distress, and reputational damage. 



Requested Resolution : Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and supported by my FTC Identity Theft Report : 1. Immediately and permanently delete all personal data, credit inquiries, and reports associated with my name, SSN, and file from your databases.

2. Provide written confirmation that my consumer file has been completely purged due to verified identity theft.

3. Cease and desist from any future access or distribution of my personal information without verified authorization. 



Supporting Documentation : I have attached my FTC Identity Theft Report ( Report No. XXXX ) as evidence of my claims and verification of identity theft. 

I expect immediate action in accordance with federal law. Failure to act XXXX result in legal and regulatory escalation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Place XXXX XXXX, CA XXXX XXXX FTC Report No. : XXXX

Company response to consumer: Closed with explanation