Consumer complaint received 2025-05-27 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: FL

Complaint narrative:
This is a formal legal demand for full relief under the Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), and related consumer protection laws. I am asserting my rights under FCRA 604, 609, 610, 611, 615, 616, 617, and 623 due to Experians repeated, willful misconduct, privacy violations, and discriminatory data profiling.

Experian has continued to report unverifiable, outdated, and inaccurate information on my credit report despite multiple dispute attempts since 2023 and has failed to respond with any real proof, contracts, or verification. They also locked me out of my own account, altered my personal address data, and ignored certified documentation. These are clear violations of federal law.

More disturbingly, I discovered that Experian ran my identity without my knowledge or consent through invasive and unauthorized systems including : XXXX and arrest record databases XXXX XXXX  XXXX scans Municipal and court systems XXXX address tracking Alternative lending, SSN tracing, and dark web surveillance I never authorized this kind of scanning. These actions were performed without a permissible purpose, and they violated both my privacy and civil rights. I did not apply for a background check, criminal screening, or any process that would require such invasive measures. 

Experian also sold and shared my personal information including my SSN, address, and flagged data with third-party entities such as background check companies, data brokers, and risk profiling systems, without my knowledge or consent. This was done without any permissible purpose as defined by FCRA 604 ( a ), and without notice to me under 615. As a result, I was labeled high-risk and denied opportunities based on information that should have never been disclosed or accessed. This constitutes a willful violation under FCRA XXXX  and a privacy violation under the Gramm-Leach-Bliley Act. The damage from this unauthorized sharing is permanent and I am now seeking full accountability for its impact.

As a result, I have experienced measurable harm professionally, financially, and emotionally. I have been blocked from job opportunities for years, not knowing that my name and SSN were being used in profiling systems tied to court records and XXXX XXXX  scans. I now understand that Ive been mislabeled, misrepresented, and monitored through XXXX systems without justification. 

As a XXXX XXXX  working to rebuild her life, I must also raise the question of discriminatory treatment and systemic bias. When your systems repeatedly scan my SSN against law enforcement databases and mark me for high-risk behavior without my consent while also ignoring my verified disputes it creates the appearance of automated discrimination. The burden is now on Experian to show that its systems are race-neutral and not disproportionately harming consumers like me. 

I am demanding the following : XXXX. Permanent deletion of all unverifiable, unauthorized, and previously disputed data XXXX. A written statement confirming that Experian will no longer scan, profile, or share my SSN, name, or identity data with any criminal, XXXX offender, court, or third-party background screening systems XXXX. A monetary settlement of {$10000.00} to resolve the documented harm caused by Experians illegal actions, emotional damage, reputational loss, and long-term opportunity disruption This is not a request it is a legal demand supported by evidence, timelines, and federal statutes. I have already submitted prior disputes, been denied access to my own data, and flagged your internal systems through the CFPB. If no resolution is received within XXXX business days, I will pursue full legal relief in court and through all applicable enforcement channels.

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