Consumer complaint received 2025-09-09 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:
I, XXXX XXXX, am a victim of ongoing identity theft, unauthorized account reporting, and unlawful handling of my credit files by Experian, Equifax, and TransUnion, as well as XXXX. Despite years of disputes, police reports, and identity theft declarations, fraudulent accounts, inquiries, and addresses continue to appear on my reports. 

This complaint seeks : Immediate removal of all fraudulent accounts, collections, hard inquiries, and addresses under FCRA 605B. 

Permanent suppression of fraudulent information across all CRAs ( Experian, Equifax, TransUnion, ChexSystems ). 

Damages and penalties under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Texas Business & Commerce Code, Texas Penal Code, and U.S. Constitutional protections. 

I. Fraudulent Hard Inquiries TransUnion The following inquiries were made without my authorization or consent. Under FCRA 604 ( a ) ( 2 ), these are unlawful. 
# Creditor / Inquiry Source Date Type 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 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 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 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 Personal Loan Legal Violations Hard Inquiries FCRA 604 ( a ) ( 3 ) : CRAs must ensure all inquiries have permissible purpose ; unauthorized inquiries are unlawful. 

FCRA 616 & 618 : Willful or negligent violations expose CRAs to statutory, punitive, and actual damages. 

Texas Business & Commerce Code 20.06 : Requires deletion of fraudulent information upon police report and affidavit. 

II. Fraudulent Collection Accounts TransUnion Creditor Balance Address Opened Status 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 Equifax  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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXever lived here. 

IV. Fraudulent Collection Accounts Experian Creditor Balance Address Status 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  never lived here. 

V. Legal Violations Federal Law : FCRA 605B ( 15 U.S.C. 1681c-2 ) : CRAs must block identity theft information within 4 business days of receiving police report + affidavit. 

FCRA 609 ( a ) ( 1 ) : Right to disclosure of information sources. 

FCRA 611 : Obligation to investigate disputed information within 30 days. 

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers can not report info they know is fraudulent. 

FDCPA 807 ( 15 U.S.C. 1692f/g ) : Debt collectors can not collect debts not owed. 

FCRA 616 & 618 : Statutory and punitive damages for willful or negligent violations. 
Texas Law : Texas Business & Commerce Code 20.06 & 20.12 : CRAs must delete fraudulent accounts promptly upon dispute. 

Texas Finance Code 392.304 : Debt collectors can not use deceptive or misleading practices. 
Texas Penal Code 32.51 : Identity theft is a criminal offense. 

Constitutional Protections : 14th Amendment Due Process Clause : Unlawful deprivation of credit opportunities, housing, and employment. 

VI. Relief Demanded Immediate deletion and permanent suppression of all fraudulent collections, hard inquiries, and addresses across all bureaus. 

Written confirmation from CRAs and furnishers within 15 days. 
Investigation into furnishers and collectors for willful noncompliance. 

Compensatory damages for financial loss, stress, and denial of credit : {$1000.00} per FCRA violation ( hard inquiries + collections ) = {$50000.00} minimum for inquiries + accounts. 

Actual damages ( higher interest rates, denied credit, missed opportunities ). 
Statutory and punitive damages under FCRA, FDCPA, and Texas law. 

Signed : XXXX XXXX XXXX : XX/XX/XXXX SSN : * XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, TX 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