Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
XXXX XXXX/Registered mail and Email delivery and fax to XXXX : XXXX, XXXX, XXXX, XXXX UPDATED COMPLAINT- XX/XX/XXXX XXXX XXXX XXXX XXXX Attorney Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Rights Coordinator XXXX. XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Treasury Department XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX  XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : URGENT Identity Theft Dispute and Demand for Corrective Action Dear XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and Relevant Agencies, This letter serves as a formal dispute and demand for immediate corrective action regarding the unresolved fraudulent accounts, unauthorized inquiries, and inaccurate information on my credit reports. As a victim of identity theft exacerbated by the XXXX XXXX Data Breach and recent National Public Records Data Breach, I have taken all necessary steps to address this matter, including submitting : XXXX. FTC Identity Theft Report ( XXXX XXXX. XXXX ). 
XXXX. XXXX XXXX Police Department Identity Theft Report ( Case No. XXXX ). 
Despite this, Experian, XXXX, and XXXX have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related statutes, as outlined below. 

Experian, XXXX, and XXXX 's actions and inactions constitute severe violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related federal statutes. Additionally, Experians dispute resolution failures have exacerbated the harm caused by these inaccuracies, as detailed below. 
Systemic violations of federal laws by Experian and other credit reporting agencies, compounded by identity theft and non-compliance with 15 U.S.C. 1681c-2 ( Section 605B ). These violations have caused severe harm to my financial stability, reputation, and personal well-being. 
Experians intentional misconduct and failure to follow federal regulations, including violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Uniform Commercial Code ( UCC ), and XXXX XXXX. XXXX tax reporting obligations, must be addressed immediately. This situation also requires criminal investigations by the Consumer Financial Protection Bureau ( CFPB ), Treasury Fraud Division, and Financial Crimes Enforcement Network ( FinCEN ). 
XXXX. Systemic Violations and Federal Law A. Fair Credit Reporting Act ( FCRA ) XXXX. XXXX XXXX. XXXX ( XXXX XXXX ) : o Failure to block fraudulent accounts within four business days despite receiving all necessary documentation. 
XXXX. 15 U.S.C. 1681i ( a ) : o Agencies failed to conduct reasonable reinvestigations within the required XXXX timeframe as this matter has been ongoing for over XXXX days. 
XXXX. 15 U.S.C. 1681e ( b ) : o Agencies failed to ensure " maximum possible accuracy '' of reported information. 
XXXX. 15 U.S.C. 1681i ( 7 ) : o No clear explanation of the verification process was provided. 
XXXX. 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) : o Failure to provide clear and intelligible notices of reinvestigation results. 


B. Fair Debt Collection Practices Act ( FDCPA ) XXXX. 15 U.S.C. 1692e : o Creditors and furnishers provided false or misleading representations about alleged debts. 
XXXX. 15 U.S.C. 1692g : o Failure to validate disputed debts upon request. 
XXXX Privacy and Identity Theft Violations XXXX. Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) : o Failure to safeguard personal financial information. 
XXXX. Electronic Communications Privacy Act ( 18 U.S.C. 2510 ) : o Unauthorized access to and misuse of personal data, including exposure via nationalpublicdata.com. 
XXXX Treasury and Financial Crimes Violations 1. 26 CFR 1.6050P-1 : o Improper issuance of 1099-C forms, falsely suggesting discharged debts.

XXXX. Bank Secrecy Act ( 31 U.S.C. 5311 et seq. ) : o Failure to report fraudulent transactions tied to identity theft, violating anti-money laundering laws. 
________________________________________ XXXX. Specific Complaints and Evidence XXXX. Fraudulent Accounts and Balances : o XXXX XXXX  : XXXX $ XXXX. 
XXXX XXXX XXXX XXXX XXXX ( XXXX Accounts ) : $ XXXX and $ XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX : $ XXXX. 
o XXXX XXXX XXXX XXXX $ XXXX Account charged off. {$1600.00} written off. {$1600.00} past due as of XX/XX/XXXX. 

XXXX. Incorrect Bankruptcy Reporting : o A dismissed XXXX XXXX XXXX ( XXXX XXXX. XXXX )- XXXX XXXXXXXX XXXX XXXX XXXXXXXX from XX/XX/XXXX, remains inaccurately listed, in violation of FCRA and possibly involving a mixed file issue. 
This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 
XXXX. Unauthorized Credit Inquiries : o XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ). 
o XXXX ( XX/XX/XXXX ). 
o XXXX ( XX/XX/XXXX ). 
XXXX XXXXXXXX XXXX  ( XX/XX/XXXX ) o XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX. Experians Dispute Resolution Failures : o Mischaracterized disputes through inaccurate or overly generic XXXX dispute codes. 
o Ignored consumer-submitted documentation during the Automated Consumer Dispute Verification ( ACDV ) process. 
XXXX. Privacy and Data Breach : o Exposure of personal information via nationalpublicdata.com, violating federal privacy laws. 
________________________________________ XXXX. Demands for Immediate Corrective Action I demand the following actions : XXXX. Block Fraudulent Information : o Remove all fraudulent accounts, inquiries, and inaccurate data per 15 U.S.C. 1681c-2.Provide Written Confirmation : XXXX. Provide written confirmation that fraudulent items have been removed or blocked, and explain the procedure used to verify disputed information under 15 U.S.C. 1681i ( 7 ). 
XXXX. Correct Reporting to Third Parties : o Notify all entities that accessed my credit report in the past two years of corrected information, as required by law. 
XXXX. Investigate Treasury-Related Violations : o Collaborate with the Treasury Fraud Division and FinCEN to investigate fraudulent transactions and potential anti-money laundering violations. 
XXXX. Correct Tax Reporting : o Rectify improper 1099-C filings and ensure accurate reporting to the IRS. 
XXXX. Provide Debt Validation : o Furnish signed agreements, original contracts, and payment histories for all disputed accounts under 15 U.S.C. 1692g. 
________________________________________ XXXX. Escalation for Non-Compliance Failure to comply with these demands within XXXX business days will result in the following actions : XXXX. Legal Action : o XXXX or civil litigation under 15 U.S.C. 1681n ( willful violations ) and 15 U.S.C. 1681o ( negligent violations ). 
XXXX. Criminal Referrals : o Referral to the DOJ under 18 U.S.C. 1028 ( identity theft ) and 15 U.S.C. 1681q ( willful misrepresentation ). 
________________________________________ XXXX. Supporting Documentation Enclosed are the following : XXXX. Copy of Government-Issued Photo ID. 
XXXX. Proof of Address ( e.g., Paystub ). 
XXXX. FTC Identity Theft Report ( XXXX XXXX. XXXX ). 
XXXX. XXXX XXXX Police Identity Theft Report ( Case No. XXXX ). 
XXXX. Equifax Data Breach Documentation. 
XXXX Credit Reports Highlighting Fraudulent Items. 
XXXX. List of Unauthorized Hard Inquiries. 
XXXX. Certificate of Live Birth ________________________________________ Final Notice This letter serves as your final demand to resolve these issues. Non-compliance will result in immediate regulatory, civil, and criminal escalation to protect my rights under federal law. Please direct all correspondence to me at the address or email provided above. 
Sincerely, XXXX XXXX XXXX, Beneficiary Without prejudice UCC 1-308, All Rights Reserved

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