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: MA

Complaint narrative:
Notice of Escalation : Police Report Filed Because of the continuing corruptions, lawlessness, and malfeasances of the credit reporting agencies, my mother despite her impaired vision was forced to walk along with my son and grandchild only XXXX XXXX XXXX several miles to the XXXX Police Department to file a formal Police Report, because our car is broken and because of all the lawlessness corruption and malfeasances perpetuated by the credit agencies regarding the identity theft perpetuated by the credit agencies with all kinds of derogatory. fraudulent manufactured manipulated accounts, that has plagued my family that has already been reported to federal authorities. 

Attached is the XXXX Police business card and the Police Report number. 
This demonstrates not only the seriousness of this matter but also the unnecessary hardship caused directly by the CRAs misconduct. Instead of correcting their fraudulent actions, they have driven a XXXX senior citizen, already visually impaired, into further suffering just to protect her rights under Federal Statutory Law. 

The Police Officer explained to me that I can only go pick up the Police report tomorrow which is clearly stated on the XXXX Police XXXX card along with the Police report number. As soon as I get the Police Report I will Deploy it your way. 

The fact that a senior must physically walk to a police station to file a report because of suppression and denial by CRAs is itself a form of elder financial abuse, compounding their violations under : XXXX XXXX XXXX XXXX ( XXXX minutes ago ) to me Deadline Reminder XXXX Business Days Block Mandate Today XX/XX/year>, marks the statutory deadline under FCRA 605B ( b ) requiring that all fraudulent and identity theft-related Corrupted tradelines with them including the ones where the original creditor is " collection '' be blocked and deleted within XXXX business days of receiving my identity theft report. Any failure to comply by this date is not only unlawful but compounds liability. While the company has claimed it needs more time, the law does not grant them extensions. The mandate is binding, the deadline is absolute, and any delay beyond today constitutes a clear, willful violation of federal statutory law, state protections, and constitutional guarantees. 


Correction of Personal Information The CRAs must immediately correct and update my personal information, including my current address and any other inaccurate identifiers. Maintaining obsolete or fraudulent addresses is a violation of FCRA 607 ( b ) ( maximum possible accuracy ), M.G.L. c.93A ( unfair and deceptive acts ), and constitutes part of the ongoing elder financial exploitation. 

Failure to correct this not only perpetuates fraud but also obstructs my ability to exercise rights guaranteed under FCRA 609 ( a ) ( full file disclosure ) and M.G.L. c.93, 56 ( right to disclosure under Massachusetts law ).

FCRA 605B ( b ) ( 4-business-day block mandate ) Elder Justice Act ( 42 U.S.C. 1397j ) Older Americans Act ( 42 U.S.C. 3001 ) M.G.L. c.19A, 14 ( Massachusetts elder abuse statute ) This evidence will now form part of the record not only with the CFPB but also with the Attorney General, FTC , and all relevant regulatory entities.

Financial Exploitation & Deprivation of Access Because of the fraudulent accounts perpetuated and sustained by the credit reporting agencies, I have been unlawfully denied access to lawful funds and credit. As a direct consequence, I a XXXX elder have had to walk long distances and endure physical hardship simply to meet basic needs. This is not a matter of inconvenience ; it is a matter of elder abuse, XXXX discrimination, and financial exploitation. 

Instead of fulfilling their statutory duty under FCRA 605B ( b ) ( block fraudulent tradelines within 4 business days ) and FCRA 609 ( a ) ( lawful disclosure of credit files ), these agencies suppressed my rights, deepened my suffering, and inflicted needless harm. 

Elder Abuse & Financial Exploitation Complaint Statement I am a XXXX resident of Massachusetts. I have been subjected to financial exploitation and elder abuse by the national credit reporting agencies equifax, experian, and transunion. These agencies have corrupted my consumer file with fraudulent, unauthorized accounts ( including multiple entries labeled Collection with no creditor identified ) and have unlawfully reported obsolete accounts beyond the 7-year statutory limit. 

Despite repeated lawful requests by mail and phone, my credit file was deliberately suppressed, denying me lawful access to my own report. Only through a third-party service was I able to uncover these fraudulent tradelines. This suppression has deprived me of credit needed for essential services and medical care. I have impaired vision in XXXX eye, a XXXX that worsened after being denied access to credit for treatment. 

Their conduct constitutes : Elder financial exploitation under the Elder Justice Act ( 42 U.S.C. 1397j ), the Older Americans Act ( 42 U.S.C. 3001 ), and Massachusetts elder protection statute M.G.L. c.19A, 14.

Unlawful reporting practices under the Fair Credit Reporting Act ( FCRA 605, 605B, 607, 609, 611 ).

Disability discrimination under the Americans with Disabilities Act ( 42 U.S.C. 12101 ) and Fair Housing Act ( 42 U.S.C. XXXX ). 

Consumer fraud under Massachusetts General Laws c.93A and c.93, 56. 


This abuse occurred while I was already enduring extreme hardship : my home condemned after a rainstorm destroyed its roof, worsening financial instability, and creating barriers to medical care. The agencies continued suppression and fabrication of false data is not clerical error but willful exploitation of a senior citizen. 

I request immediate investigation, enforcement, and protection under federal and state elder-abuse statutes. This exploitation must be stopped, and restitution must be pursued.

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