Consumer complaint received 2025-01-08 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:
I am writing to file a formal complaint against XXXX, Experian, and XXXX ( the " XXXX XXXX Agencies '' ), along with the XXXX XXXX XXXX, concerning inaccurate and fraudulent accounts that have been reported on my credit file. These accounts stem from the XXXX data breach in XXXX, as well as the XXXX XXXX data breach in XXXX, both of which compromised my personal information. Despite my repeated attempts to dispute and resolve this matter, the negative information remains on my credit reports, causing significant damage to my financial standing and livelihood. 

Summary of Issue : Background on the Data Breaches : XXXX XXXX XXXX ( XXXX ) : In XXXX, XXXX suffered a massive data breach, affecting approximately XXXX XXXX Americans. My personal data, including sensitive information such as Social Security numbers, birth dates, and addresses, was compromised during this breach. This breach has led to fraudulent activity on my credit file and inaccurate reporting by the XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX ( XXXX ) : In XXXX, XXXX XXXX experienced a data breach that exposed the personal information of millions of individuals, including myself. As a result, my personal data was used fraudulently, and accounts were opened in my name, which are now being reported inaccurately on my credit file. 

Fraudulent Accounts and Identity Theft : The accounts currently being reported by XXXX, Experian, and XXXX are fraudulent and do not belong to me. These accounts are a direct result of identity theft and are not associated with any legitimate activity on my part. I have submitted an FTC Identity Theft Report, which verifies that I am a victim of fraud and that these accounts were opened without my consent or authorization. Despite this, the negative accounts remain on my credit report, continuing to harm my creditworthiness and financial reputation. 

Efforts to Resolve the Issue : I have disputed these items with XXXX, Experian, and XXXX multiple times, submitting the following documentation : A FTC Identity Theft Report, verifying my identity theft claim. 
Proof of address. 
Correspondence with the data furnishers and other relevant documents, demonstrating that these accounts are not mine. 

Despite these efforts, I have received responses from the XXXX XXXX XXXX stating that the data furnishers have verified the information as accurate and that no changes will be made unless additional evidence is provided. This response is insufficient and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft provisions of the FCRA. 

Legal Violations : The continued reporting of these fraudulent accounts by XXXX, Experian, and XXXX is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), particularly sections 15 U.S.C. 1681c-2, 1681i, and 1681h, which require the credit bureaus and data furnishers to correct or delete fraudulent information in a timely manner when supported by documentation. The refusal to remove this inaccurate information after the submission of valid documentation is a direct violation of these provisions. 

Request for Immediate Deletion of Fraudulent Accounts : I am requesting that XXXX, Experian, and XXXX, along with the data furnishers, immediately : Delete all fraudulent accounts resulting from identity theft and the data breaches from my credit reports. 

Provide written confirmation of the deletion of these fraudulent accounts from my credit file. 

Cease any further violations of my rights under the FCRA and the Identity Theft provisions under 15 U.S.C. 1681c-2 and 1681h.

Demand for Legal Remedy : I am fully aware of my legal rights under the FCRA and am entitled to statutory damages. If these fraudulent accounts are not removed from my credit reports promptly, I will pursue legal action to recover {$1000.00} per violation for each instance of non-compliance with the FCRA. These violations have caused significant harm to my ability to secure housing and credit, and I am entitled to seek legal remedy for every failure to delete these fraudulent accounts. 

Conclusion : It is my expectation that XXXX, Experian, and XXXX, along with the data furnishers, take immediate action to delete these fraudulent accounts from my credit reports. I have already provided sufficient documentation, including my FTC Identity Theft Report, to substantiate that the accounts are not mine and are the result of identity theft. 

If this matter is not resolved within a reasonable timeframe, I will pursue all available legal remedies, including seeking statutory damages for each violation under the Fair Credit Reporting Act. 

Please acknowledge receipt of this complaint and inform me of the actions being taken to resolve this matter. I expect a response within XXXX days of your receipt of this letter. 

Thank you for your immediate attention to this matter.

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