Consumer complaint received 2025-06-17 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:
I am writing to formally dispute several fraudulent and inaccurate entries appearing on my Experian credit report in violation of the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws. 

ILLEGAL CREDIT REPORTING & PRIVACY BREACHES Recently, Ive discovered there is a list of misinformation being furnished to my credit report without any written or electronic communication being provided to me, as a consumer, prior to doing so. This is violating my right to privacy with fairness, impartiality, and respect. As a consumer, I have not received any written or electronic documentation authorizing the disclosure of my nonpublic, personal information to your agency. This is a direct violation of 15 U.S. Code 6802 ( Gramm-Leach-Bliley Act ) and 15 U.S. Code 1681b, which requires consumer reporting agencies to obtain written instructions from the consumer before furnishing their information. 
Additionally, Experian has knowingly posted a comment to my personal credit report that was made by another individual in the military. I am not affiliated with the military. Furthermore, you have associated names on my credit file that are NOT MINE, including XXXX XXXX and XXXX XXXX XXXX. These individuals are family members I do not live with, and your failure to verify their connection to my identity is a gross violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681c-2, which demand maximum possible accuracy and prompt blocking of information resulting from identity theft.

This failure to investigate and validate the legitimacy of information before publication constitutes reckless disregard for the truth, identity theft under 18 U.S. Code 1028A, and a willful violation of my rights under the FCRA and FACTA.

DEMAND TO REMOVE IMMEDIATELY {$8000.00} DAILY PENALTY As a result of this negligent behavior, I demand the IMMEDIATE BLOCKING AND REMOVAL of the following : ACCOUNTS TO BE DELETED IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX These accounts contain inaccurate late payments, discrepancies in payment histories, and unauthorized data. I dispute every late payment, charge-off, or delinquency reported under these tradelines. According to 15 U.S.C. 1666 and 1666b, a creditor must conduct a proper investigation into billing errors within 30 days. These companies have failed to meet that burden. You, Experian, have further violated 15 U.S.C. 1681i by failing to reinvestigate and remove unverifiable, disputed information in a timely manner. 

HARD & SOFT INQUIRIES TO BE REMOVED IMMEDIATELY : I did not authorize the numerous hard and soft inquiries posted to my report. Under 15 U.S. Code 1681b ( c ) and 15 U.S. Code 1681b ( f ), any access to a consumer credit report must be for a permissible purpose. None of these inquiries were made with my written consent, in violation of 15 U.S.C. 1681b ( a ) ( 2 ). 
I demand all unauthorized inquiries be removed IMMEDIATELY, and I am including them in the daily {$8000.00} penalty calculation. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. I AM CURRENTLY ON ACTIVE MILITARY DUTY, DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS ALERT WILL BE MAINTAINED ON FILE FOR 1 YEAR BEGINNING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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