Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request the removal of certain debts from my credit report, as they are the result of unauthorized access to my personal information by XXXX XXXX and the Department of Government Efficiency ( DOGE ). This unauthorized access has led to fraudulent activities affecting my financial standing. 

Background : Recent reports indicate that DOGE operatives have gained access to sensitive federal computer systems containing personal data of millions of individuals, including Social Security numbers and financial information. ( wired.com ) This access was granted without my consent and has compromised the security of my personal information. 

Legal Grounds for Complaint : Violation of the Privacy Act of 1974 This act prohibits unauthorized disclosure of personal data by federal agencies. The access granted to DOGE constitutes a breach of this statute, as my personal information was accessed without authorization. 

Violation of the Fair Credit Reporting Act ( FCRA ) The FCRA mandates that consumer reporting agencies ensure the accuracy and privacy of information in consumer reports. The unauthorized access and potential misuse of my personal data violate these provisions. 

Violation of the Federal Information Security Modernization Act ( FISMA ) FISMA requires federal agencies to implement safeguards to protect sensitive information. The failure to prevent unauthorized access by DOGE indicates non-compliance with FISMA standards. 

List of Fraudulent Negative Items : The following negative items on my credit report are inaccurate and should be removed immediately due to the unauthorized access of my data : Charge-Off 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 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 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 Request for Relief : Given the unauthorized access and subsequent fraudulent debts incurred without my knowledge or consent, I respectfully request the following actions : Immediate removal of the fraudulent debts from my credit report. 

A thorough investigation into the unauthorized access of my personal information. 

Implementation of security measures to prevent further unauthorized access and protect consumers personal data. 

I appreciate your prompt attention to this serious matter and look forward to your response. Please contact me at your earliest convenience to discuss any further information required to resolve this issue. 

Sincerely, 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