Consumer complaint received 2025-11-02 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: NC

Complaint narrative:
XXXX XXXX XXXXXXXX ( XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am an XXXX XXXX XXXX that was impacted by XXXX Data Breach and also XXXXXXXX XXXX. My NAME, DOB, SSN, ADDRESS, DRIVERS LICENSE, BANK DETAILS AND CARD NUMBERS WAS IMPACTED AND STOLEN. 

This complaint serves as notice of my intent to pursue binding arbitration and litigation against Experian Plc. for violations of federal and state consumer protection laws stemming from your willful and negligent reporting of inaccurate information on my consumer credit report. 

Experian XXXX. continues to report the following inaccurate information on my consumer credit report : I have previously disputed inaccurate items with Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} : Date XXXX XXXX : XX/XX/XXXX XXXX. Furnisher : XXXX XXXX XXXX : Balance : {$1200.00} : Date Fraud Begun : XX/XX/XXXX XXXX. Furnisher : XXXX XXXX XXXX : Balance : {$2000.00} : Date Fraud Begun : XX/XX/XXXX XXXX. Furnisher : XXXX XXXX XXXX XXXX : Balance : {$2000.00} : Date Fraud Begun : XX/XX/XXXX XXXX. XXXX : XXXX XXXX XXXX. : Balance : {$540.00} : Date XXXX XXXX : XX/XX/XXXX XXXX. XXXX : XXXX XXXX XXXX. : Balance : {$710.00} : Date XXXX XXXX : XX/XX/XXXX XXXX. Furnisher : XXXX XXXX XXXX : Balance : {$200.00} : Date Fraud Begun : XX/XX/XXXX XXXX. Furnisher : XXXX XXXX XXXX XXXX : Balance : {$320.00} : Date Fraud Begun : XX/XX/XXXX XXXX. Furnisher : XXXX Collections : Balance : {$180.00} : Date Fraud Begun : XX/XX/XXXX The continued reporting of these accounts raises multiple violations : A. Late Payments : Violating 15 U.S.C. 1681a ( XXXX ) and related provisions. 
B. Permissible Purpose Requirements : Violating 15 U.S.C. 1681b.

C. Furnisher Responsibilities : Violating 15 U.S.C. 1681 ( s ) -2.

D. Accuracy Standards : Violating 15 U.S.C. 1681e ( b ) and 1681i ( 5 ) ( a ).

E. Verification Requirements : Violating 15 U.S.C. 1681i ( 7 ).

F. Furnished Inaccurate Data & Ignored Investigations : Violating 15 U.S.C. 1681 ( s ) - ( 2 ) ( b ).

Despite my reasonable investigation requests, Experian XXXX. has failed to : Conduct a reasonable reinvestigation as required by law Correct or delete the inaccurate information Provide me with adequate documentation supporting the accuracy of these accounts Comply with statutory obligations under the Fair Credit Reporting Act ( FCRA ) Experian XXXX. violates VIOLATION : 15 U.S.C. 1681i : INVESTIGATION PROCEDURES Experian XXXX. dispute investigations are FRAUDULENT : a ) Form letter responses claiming verified WITHOUT investigation b ) PREDETERMINED outcomes regardless of dispute legitimacy c ) REFUSAL to delete unverifiable accounts as required by law

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