Consumer complaint received 2025-03-31 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: MA

Complaint narrative:
I formally declare that I am a victim of identity theft, a crime that has profoundly devastated my personal and financial life since it began in XXXX. Over the years, this violation has grown into a persistent nightmare, robbing me of peace, stability, and the ability to build a secure future. The magnitude of its impact has been akin to being trapped in an unrelenting horror, desperately seeking an escape from a torment that feels like the clutches of XXXX XXXX himself. 

The first signs of this ordeal surfaced in XXXX when I attempted to purchase XXXX new vehicles and open a XXXX credit card. To my shock and confusion, the credit card was immediately closed without explanation. At the time, I was unaware that this incident marked the beginning of an ongoing assault on my identity. Since then, fraudulent activities under my name have steadily escalated, leaving XXXX XXXX of financial ruin and emotional distress. 

The fallout has been catastrophic. Fraudulent accountsincluding numerous credit cards, personal loans, and mortgage-related accountshave been opened without my consent. These unauthorized accounts have wreaked havoc on my credit report, dragging down my credit score and resulting in repeated denials for loans, mortgages, and essential financial opportunities. Home mortgage companies, including those like XXXX and others, have rejected my applications due to the damage inflicted by these fraudulent entries. 

The situation worsened as I faced mounting bills and collection accounts for debts I did not authorize. Despite my relentless efforts to dispute these fraudulent activities, they have persisted, leaving me buried under financial burdens I neither incurred nor deserved. Each day brings a new wave of anxiety, as I live in constant fear of fresh fraudulent activity appearing under my name. This sense of dread has permeated every aspect of my life, robbing me of sleep and peace of mind. 

Over the years, I have taken every reasonable measure to combat this identity theft. I have filed police reports, submitted disputes to the credit bureaus, Despite these actions, the fraudulent accounts continue to resurface, and the damage to my financial standing remains unresolved. The emotional toll has been immense, affecting not only my mental well-being but also my ability to provide for my family and pursue opportunities to improve our quality of life. 

The damage caused by this crime is not limited to my credit report ; it has also barred me from securing a stable living situation. The inability to obtain a mortgage or loan has left me feeling trapped, unable to achieve the basic milestones that many take for granted. I am haunted by the sense of being unfairly punished for actions I did not commit, and I am desperate for relief from this unending nightmare. 

To address these injustices, I am seeking legal protection and remedies under the following laws : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 : You are legally required to ensure accurate reporting.

FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Credit bureaus must conduct a reasonable reinvestigation when a dispute is filed.

FCRA 15 U.S.C. 1681b ( a ) ( 2 ) : Reporting an account without my consent violates permissible purpose requirements.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) : You must provide a signed agreement proving my liability.

Truth in Lending Act ( TILA ) 15 U.S.C. 1637 ( b ) : Requires creditors to provide clear, written disclosures of account terms. 

XXXX XXXX in Global and National XXXX XXXX ( XXXX XXXX ) XXXX U.S.C. XXXX ( c ) ( XXXX ) : Any contract must have a valid electronic or physical signature to be enforceable. 

FTC Rule on Credit Card Accountability 12 C.F.R. 226.12 ( b ) ( 3 ) : Credit issuers must document proper authorization for accounts.

Uniform Commercial Code ( UCC ) 3-401 ( a ) : A person is not liable for an account unless they signed or authorized it.

Uniform Commercial Code ( UCC ) 3-501 ( b ) ( 2 ) : A creditor must present proof of claim, including a signed contract.

Fair and Accurate Credit Transactions Act ( FACTA ) 15 U.S.C. 1681m : Protects against identity theft and unauthorized accounts. 

Since this ordeal began, I have endured years of financial hardship and emotional suffering. 

This ongoing nightmarewhich began with that fateful day in XXXX stripped me of countless opportunities and left me grappling with despair. The horror of this situation can not be overstated, and I am determined to find a way out. Please help me escape the clutches of this relentless torment and reclaim the peace and stability I have been denied for far too long.

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