Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Request for Assistance in Identity Theft and Noncompliance by XXXX XXXX XXXX Dear Consumer Financial Protection Bureau , I am writing to formally request your intervention regarding a serious and ongoing issue involving identity theft and noncompliance by XXXX XXXX XXXX ( XXXX ) . Despite my numerous complaints and requests for assistance, the company has failed to take the federally mandated actions required to protect me as a victim of identity theft. 



Since XXXX of this year, I have repeatedly informed XXXX that my Social Security number and personal financial information have been compromised. An unauthorized individual, XXXX XXXX, has been able to access my personal loan details and link their XXXX account to my financial institution account. I have submitted multiple complaints, provided documentation, and escalated the matter to different supervisory levels within XXXX from XXXX through XXXX. Unfortunately, the companys response has been inadequate, and my efforts have been ignored or denied. 



Despite issuing a 10-day demand letter to cease and desist the unauthorized activities, XXXX has failed to comply. Specifically, I have requested the following : 1. Issuance of New Account Numbers : To prevent further access by the perpetrator, I have repeatedly requested new account numbers. XXXX has denied this request. 

2. Account and Payment History Documentation : I have asked for detailed records of my loan payments and the names and account numbers currently linked to my account so I can pursue criminal charges and file complaints with the FTC and the Texas Attorney General. 



XXXX refusal to act has directly resulted in continuous breaches of my privacy, compromised loan accounts, and damage to my credit score. The companys failure to comply with federal laws designed to protect identity theft victims is unacceptable and has left me vulnerable to ongoing abuse. 



I request that the CFPB escalate this matter immediately and compel XXXX XXXX XXXX to : Issue me new account numbers to prevent further unauthorized access. 

Provide a complete account and payment history, including the names and account numbers linked to my loan. 

Ensure compliance with federal laws requiring businesses to protect identity theft victims. 



I have taken extensive measures, including seeking protective orders and reporting the issue to civil courts, the FTC, and the Texas Attorney General. Despite my efforts, XXXX continues to bypass any resolution attempts. I urgently need your assistance to ensure that my rights and financial security are safeguarded. 



Please feel free to contact me if additional information or documentation is required to expedite this matter. Thank you for your attention and support.

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