Consumer complaint received 2025-09-11 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: GA

Complaint narrative:
I am demanding a full manual reinvestigation under FCRA 1681i, not a system-generated or template Metro 2 e-OSCAR response. Per federal case law ( Cushman v. TransUnion, Johnson v. MBNA ), automated responses without human review do not satisfy the 'reasonable investigation ' standard required by law. Any response that does not include actual documentation, timestamped logs, or certified verification will be treated as willful noncompliance under 15 U.S.C. 1681n and 16810. ". Supporting Documentation Uploaded ( Supervisor Review Requested ) : I have uploaded verified, notarized documentation including my Notice of Intent to Sue, UCC-1 Financing Statement, unauthorized inquiry list, and a comprehensive FCRA violation summary citing binding tederal case law. These documents establish repeated statutory violations under 15 U.S.C. 1681 elb ), 1681i, and 1681s-2 ( b ), including reinsertion without certification, Metro 2 compliance breaches, and failure to provide proof of accuracy. I am formally requesting supervisor-level review and manual reinvestigation. I explicitly reject any template or automated Metro 2 responses. This matter involves legal liability and contractual security interests, and must be handled accordingly. " If this agency fails to act on its regulatory duty under the Fair Credit Reporting Act and allows continued violations despite clear evidence and notarized filings, it will be documented as willful neglect under federal administrative code and escalated to congressional oversight committee. These rules ; legitimate identity theft claims are still strong under FCRA 1681i ( a ), 1681i ( a ) ( 5 ), 1681e ( b has all been violated in my instance. Additionally, Im a victim of the following data breaches ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Login Credentials Leak, Cybersecurity investigators uncovered XXXX of the largest breaches ever, involving XXXX fresh login credentials across major platforms like XXXX XXXX XXXX XXXX XXXXXXXX, and even some government services.. These following listed accounts must be deleted and suppressed immediately per FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding a full manual reinvestigation under FCRA 1681i, not a system-generated or template Metro 2 e-OSCAR response. Per federal case law ( Cushman v. TransUnion, Johnson v. MBNA ), automated responses without human review do not satisfy the 'reasonable investigation ' standard required by law. Any response that does not include actual documentation, timestamped logs, or certified verification will be treated as willful noncompliance under 15 U.S.C. 1681n and 16810. ". Supporting Documentation Uploaded ( Supervisor Review Requested ) : I have uploaded verified, notarized documentation including my Notice of Intent to Sue, UCC-1 Financing Statement, unauthorized inquiry list, and a comprehensive FCRA violation summary citing binding tederal case law. These documents establish repeated statutory violations under 15 U.S.C. 1681 elb ), 1681i, and 1681s-2 ( b ), including reinsertion without certification, Metro 2 compliance breaches, and failure to provide proof of accuracy. I am formally requesting supervisor-level review and manual reinvestigation. I explicitly reject any template or automated Metro 2 responses. This matter involves legal liability and contractual security interests, and must be handled accordingly. " If this agency fails to act on its regulatory duty under the Fair Credit Reporting Act and allows continued violations despite clear evidence and notarized filings, it will be documented as willful neglect under federal administrative code and escalated to congressional oversight committee. These rules ; legitimate identity theft claims are still strong under FCRA 1681i ( a ), 1681i ( a ) ( 5 ), 1681e ( b has all been violated in my instance. Additionally, Im a victim of the following data breaches ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Login Credentials Leak, Cybersecurity investigators uncovered XXXX of the largest breaches ever, involving XXXX fresh login credentials across major platforms like XXXX XXXX XXXX XXXX XXXX and even some government services.

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