Consumer complaint received 2024-12-15 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: TX

Complaint narrative:
As an XXXX XXXX, a XXXX, and a dedicated provider striving to break cycles of poverty and secure a better future for my family, I am deeply troubled by the persistent negligence and discriminatory practices of the credit reporting agenciesExperian, XXXX, and XXXX XXXX Their actions have not only jeopardized my familys financial stability but have also pushed us closer to generational poverty. 
These errors are a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This blatant disregard for their legal obligations under the Equal Credit Opportunity Act ( ECOA ), FCRA, and FDCPA reflects systemic failures that perpetuate inequities and reinforces the XXXX XXXX  that disproportionately harm XXXX XXXX  like myself. By failing to uphold these statutes, these agencies are not only threatening my financial future but are also undermining the very principles of fairness and equality that these laws were designed to protect.

The accounts and inquiries listed below are unauthorized, fraudulent, or inaccurately reported. Their continued presence on my credit reports has caused significant financial harm, including limiting my access to credit and opportunities to support my growing family. Despite providing the required documentationincluding proof of identity, an FTC fraud report, and a statement identifying these items as fraudulentthese agencies have failed to comply with their obligations to block or remove this information under 15 U.S. Code 1681c-2 within the four days mandated by law. 

Please remove unauthorized/fraudulent inquiries and accounts : ExperianAccounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I demand the immediate removal of these accounts and inquiries from my credit reports within the four days required by 15 U.S. Code 1681c-2.

15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Failure to comply will result in legal action. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages, which are greater than {$1000.00}.

Your failure to act not only harms me but perpetuates systemic injustices that disproportionately affect XXXX XXXX. This is a violation of the Equal Credit Opportunity Act and underscores the need for accountability. By failing to act, these agencies further demonstrate a disregard for the financial wellbeing of individuals like myself who are striving to create a stable foundation for their families. 

For violating my rights under the FCRA, send funds immediately to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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