Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
I am a single XXXX American father struggling to support my children while being targeted by predatory credit bureaus that refuse to remove fraudulent accounts and unauthorized inquiries from my credit report. These credit bureaus are intentionally keeping me in financial bondage, blocking my access to housing, employment, and the ability to provide basic necessities for my family. 

Despite my rights under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ), Experian, Equifax, and TransUnion continue to report fraudulent information that I have already disputed and proven to be a result of identity theft.

Under 15 U.S. Code 1681c-2, the credit bureaus are legally required to block identity theft-related information within 4 business days after receiving : Proof of my identity A copy of my identity theft report My identification of the fraudulent items My statement affirming these accounts and inquiries are unauthorized I have provided ALL of this documentation, yet the bureaus refuse to comply, deliberately violating my legal rights. 

Here are the fraudulent accounts and hard inquiries that must be removed immediately : Collections ( Fraudulent & Unverified ) REMOVE IMMEDIATELY XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$140.00} Unauthorized Hard Inquiries REMOVE IMMEDIATELY XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These fraudulent accounts and inquiries are destroying my financial stability and blocking me from accessing the credit I need to survive. This is a clear violation of the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ), as these bureaus are actively discriminating against me by restricting my access to fair credit opportunities. 

By refusing to remove these illegitimate items, Experian, Equifax, and TransUnion are : Violating 15 U.S.C. 1681c-2 by refusing to block identity theft-related items Violating 15 U.S.C. 1692g by failing to properly validate these debts Violating the Equal Credit Opportunity Act by preventing me from accessing fair credit opportunities I demand the immediate removal of these fraudulent accounts and inquiries within the legally required timeframe. If these errors are not corrected, I will pursue legal action under 15 U.S.C. 1681n, which allows me to sue for {$1000.00} per violation in addition to any other damages caused by these reckless reporting failures. 

These credit bureaus are playing with my life and the future of my children. This inflated economy is already crushing families like mine, and the fact that these for-profit corporations are profiting off of my suffering is unforgivable. I will not stand by while my rights are trampled by companies that monetize financial oppression. 

I expect immediate action. If these fraudulent items are not deleted, I will escalate this further with legal action and public exposure.

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