Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To the Back Office Teams of Experian, XXXX, and XXXX, I am responding to your unlawful and continued refusal to comply with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 and 1681i, despite my submission of an FTC Identity Theft Report and supporting documentation. Your actions amount to a blatant disregard of my civil, consumer, and constitutional rights, constituting a clear and aggravated case of identity theft, slavery under federal laws, and violations of XXXX statutes. 
The Addition of XXXX XXXX XXXX XXXX Another unauthorized account, XXXX XXXX XXXX XXXX ( Account Number : XXXX ), must be immediately removed from my credit report. This account, like others previously disputed, is fraudulent and non-consensual. It was added without my authorization, and your failure to remove it despite receiving all necessary documentation demonstrates willful noncompliance with federal law. 
Aggravated Identity Theft and Consumer Enslavement The continued reporting of fraudulent and unauthorized information on my credit reports, despite my clear opt-out of non-public information reporting, directly violates my constitutional rights under the 13th Amendment. By unlawfully holding and disseminating my personal data against my will, you are perpetuating modern-day slavery. 
The term slavery is not used lightlyit applies when an individual is forced into a system against their consent, where their private information is used to control or restrict their opportunities and economic freedoms. Your actions, in willfully refusing to comply with lawful demands, mirror the systemic oppression of individuals by using financial mechanisms to limit their autonomy and perpetuate financial harm. This is aggravated further by the psychological toll and mental anguish inflicted upon me, as you continue to exploit my identity without my consent.

Under 18 U.S.C. 1028A ( Aggravated Identity Theft ), your handling of unauthorized accounts and refusal to block disputed items after being presented with sufficient documentation fits the definition of knowingly using false identification to perpetuate fraud. Your willful negligence directly impacts my financial opportunities and mental health, constituting a violation of federal laws protecting against identity theft and fraud. 
XXXX Violations Your coordinated actions across Experian, XXXX, and XXXX constitute a pattern of racketeering activity under the XXXX XXXXXXXX XXXX XXXX XXXX Act ( XXXX ). By collectively failing to investigate disputes, remove fraudulent items, and comply with federal laws, your agencies are operating as a corrupt enterprise. Each refusal to act upon my rightful disputes demonstrates a systematic approach to profit from the unauthorized use of my identity. 
Your agencies have unlawfully leveraged my non-public personal information to restrict my financial autonomy, directly violating my rights. This pattern of negligence and abuse represents a willful conspiracy to defraud consumers, profiting from their distress while perpetuating harm. Such acts are actionable under XXXX and expose your organizations to significant liability. 
XXXX Acknowledgment of Wrongdoing XXXX prior action of sending me a check for removing the unauthorized XXXX account demonstrates their acknowledgment of wrongdoing. If one agency has taken steps to address unauthorized accounts and provide compensation for the harm caused, it further underscores the negligence of Experian and XXXX in failing to follow suit. 
XXXX payment sets a precedent that each agency must follow. However, a token payment is insufficient. Moving forward, I demand compensation of {$1000.00} per removal of each unauthorized account, including but not limited to : 1. XXXX XXXX XXXX XXXX XXXX. XXXX Bank ( Account XXXX : XXXX ) XXXX. XXXX XXXX XXXX Account Number : XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX, XXXX ) XXXX. XXXX XXXX ( Account XXXX : XXXX ) XXXX. XXXX XXXX ( XXXX ) ( Account XXXX : XXXX ) XXXX. XXXX XXXX XXXX ( Account XXXX : XXXX ) Additionally, {$1000.00} must be paid per unauthorized name or address removed for the mental anguish and financial harm caused by holding and disseminating my information against my will. This demand also extends to the correction of unauthorized names and addresses as previously stated. 
Violations of My Rights Your refusal to act, and reliance on false justifications such as requiring law enforcement reports, constitutes a clear violation of : 1. 15 U.S.C. 1681c-2 : Mandating the removal of fraudulent information upon submission of an FTC Identity Theft Report.

2. 15 U.S.C. 1681i : Requiring a thorough investigation and correction of disputed items.

3. The Privacy Act of 1974 : Protecting my nonpublic personal information from unauthorized use and distribution.

4. Constitutional Rights : Under the 13th Amendment, you have no lawful authority to hold or use my personal data against my consent, effectively making me a slave to your unlawful practices.

Mental Anguish and Economic Harm Your agencies deliberate inaction has caused significant mental anguish, damaging my reputation and restricting my ability to participate in the economy. The fraudulent entries on my credit report have obstructed my financial opportunities, including securing housing, loans, and other financial services. The harm you have caused is ongoing, and your refusal to comply with federal law compounds the injury daily.

The mental anguish caused by this ordeal is immeasurable. Your agencies have held me hostage in a system designed to exploit consumers rather than protect them. This psychological and financial harm can not be ignored, and I demand immediate corrective action along with compensation for the damages inflicted.

Immediate Demands I demand the following actions from all three credit reporting agencies : 1. Immediate removal of all fraudulent accounts, names, and addresses listed above.

2. Compliance with 15 U.S.C. 1681c-2 and 1681i with
out further delay.

3. Compensation of {$1000.00} per unauthorized account, name, and address removed as restitution for the mental anguish and harm caused.

4. A written acknowledgment of your agencies failure to comply with federal law, along with a commitment to ensure such violations do not occur again.

Failure to act will result in the following actions : 1. Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

2. Pursuing civil litigation for willful noncompliance under 15 U.S.C. 1681n, including claims for punitive damages.

3. Requesting criminal investigations into potential XXXX violations and aggravated identity theft under federal statutes. 
Conclusion The time for excuses is over. Your agencies have violated my rights for far too long, and your continued inaction will not be tolerated. I expect a response within 10 business days confirming the removal of all disputed items, along with compensation for the damages caused. If no response is received, I am also writing to bring attention to a long-standing pattern of systemic negligence and violations of the Fair Credit Reporting Act ( FCRA ) by Experian. Your back-office team has repeatedly mishandled my credit report, adding and manipulating unauthorized information in my consumer file without my consent. This conduct is not only unlawful but also deeply troubling, as it raises serious questions about your integrity and compliance with federal law. 
Below, I will detail these violations, including report numbers and specific dates. These actions highlight your companys lack of adherence to legal obligations under the FCRA, including 15 U.S.C. 1681e ( b ) ( duty to maintain accurate credit files ) and 15 U.S.C. 1681b ( permissible purposes for obtaining and reporting consumer information ).

Unlawful Manipulation of My Credit File 1. Inclusion of Unauthorized Information in Disputes : Experian has added unauthorized information to my credit report, which was never part of my file before I initiated disputes. This is highly suspicious and potentially fraudulent. For example : Report Number : XXXX, Date Generated : XX/XX/XXXX Report Number : XXXX, Date Generated : XX/XX/XXXX Report Number : XXXX, Date Generated : XX/XX/XXXX These reports include items that I never authorized, never applied for, and never disputed. The fact that such information appears in my consumer file only after disputes were submitted is a clear indication of unlawful practices by Experians back-office team.

2. Failure to Investigate and Provide Results : Your team has deleted certain inquiriessuch as those related to XXXX XXXX and XXXXXXXX XXXXwithout sharing investigation results or clarifying how these items were added in the first place. This violates your obligation under 15 U.S.C. 1681i ( a ) ( 6 ) to provide the consumer with the results of a reinvestigation.

3. Systemic Mismanagement of Disputes : This pattern of behavior suggests that Experian is deliberately manipulating consumer files to create a false appearance of compliance or to suppress evidence of internal errors. Such practices violate the core purpose of the FCRA, which is to ensure accurate and fair credit reporting. 
Legal Violations and Consequences Your mishandling of my consumer file constitutes the following violations of federal law : 1. Failure to Ensure Maximum Accuracy ( 15 U.S.C. 1681e ( b ) ) : Experian has failed to follow reasonable procedures to ensure the accuracy of my credit report, as evidenced by the inclusion of unauthorized inquiries and manipulations in my file.

2. Unauthorized Use of My Personal Information ( 15 U.S.C. 1681b ) : By adding inquiries that I never authorized or initiated, Experian has violated the permissible purpose requirements for obtaining and reporting consumer information.

3. Failure to Conduct Proper Dispute Investigations ( 15 U.S.C. 1681i ) : Experians lack of transparency regarding the origin and removal of unauthorized inquiries demonstrates a failure to conduct proper investigations into disputes. 
4. Potential XXXX XXXX ( 18 U.S.C. XXXX XXXX XXXX ) : The repeated addition and manipulation of unauthorized information across multiple report numbers suggest a coordinated effort by Experians back-office team to engage in fraudulent activities. This may fall under the scope of racketeering, given the ongoing and systemic nature of these practices.

5. Mental Anguish and Economic Harm : Your actions have caused significant emotional distress, as I am forced to repeatedly address unauthorized items that never should have appeared on my report. Additionally, your negligence has harmed my financial standing by failing to remove legitimate inaccuracies that I have disputed.

Demands Given the seriousness of these issues, I demand the following : 1. Immediate Audit and Removal of All Unauthorized Items : Conduct a full audit of my credit file to identify and permanently remove all unauthorized inquiries and inaccurate items.

Ensure that no unauthorized information is added to my file in the future.

2. Resolution of Pending Disputes : Expedite the removal of all disputed items currently on my report, as these inaccuracies are causing ongoing harm to my financial reputation. 
XXXX. Compensation : {$1000.00} per unauthorized inquiry and item added to my report as restitution for mental anguish and economic harm. 
Additional damages for systemic FCRA violations and negligence in safeguarding my consumer information.

4. Transparency : Provide a detailed explanation of how and why unauthorized inquiries were added to my report.

Share documentation of your internal processes for handling disputes and removing inaccurate items.

Intent to File Suit If these demands are not met within 30 days, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) to expose Experians unlawful practices.

Initiate legal proceedings under 15 U.S.C. 1681n ( willful noncompliance ) and 15 U.S.C. 1681o ( negligent noncompliance ) to seek damages for your FCRA violations. 
Pursue additional claims under the XXXX XXXX for fraudulent practices and systemic negligence. 
This letter serves as notice of my intent to hold Experian accountable for its unlawful actions. I expect a prompt and thorough resolution to these issues.

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