Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Identity Theft and Failure to Remove Fraudulent Information from My Credit Report Dear Consumer Financial Protection Bureau, I am filing this complaint against [ Collection Agency/Credit Bureau ] due to their failure to remove fraudulent information from my credit report, despite my repeated requests and the submission of sufficient supporting evidence. This inaction is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other federal consumer protection laws.

Nature of the Complaint : I am a victim of identity theft and have encountered fraudulent accounts appearing on my credit report. Prior to last week, I contacted multiple representatives who informed me that I was unable to access my credit profile. This directly supports my claim of identity theft, as unauthorized accounts have been opened in my name.

Despite multiple formal requests, my personal information has not been updated or corrected, which violates my rights under FCRA regulations. The following issues persist : Requested Actions : Removal of Fraudulent Accounts Unauthorized credit card accounts, loans, and collections that do not belong to me.

Fraudulent hard inquiries resulting from identity theft.

Update Personal Information Correct my legal name to XXXX XXXX only.

Remove outdated addresses and retain only my current address : XXXX XXXX XXXX XXXX XXXX XXXX. 

Delete all phone numbers listed on my credit report.

Remove my Social Security number and date of birth for privacy purposes.

Delete all employer information from my credit report.

Compliance with Data Breach Regulations I was affected by major data breaches, including : Equifax breach ( XXXX ) XXXX breach ( XXXX ) Experian breach ( XXXX ) These breaches resulted in unauthorized access to my personal data, leading to identity theft.

Failure to Verify Disputed Accounts The credit bureaus have refused to provide the method of verification for the disputed accounts, violating my consumer rights under : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide the method of verification.

15 U.S.C. 1681c-2 Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) Failure to safeguard personal data.

15 U.S.C. 1681s-2 Failure of data furnishers to ensure reporting accuracy.

Supporting Documents Enclosed : Copy of my government-issued ID Copy of a recent utility bill ( proof of address ) Identity theft report filed with the FTC ( Report Number : XXXX ) Police report Affidavit of Dispute Legal Consequences for Noncompliance : Failure to comply with these requests within 30 days will result in further action, including escalation to federal regulatory agencies and legal proceedings. I will seek damages under : 15 U.S.C. 1692k : Civil liability for violations 15 U.S.C. 1681n ( b ) : Civil liability for willful noncompliance 15 U.S.C. 1681i ( 7 ) : Failure to provide verification methods

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