Consumer complaint received 2025-11-25 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: AL

Complaint narrative:
I am filing this complaint because my personal information has been compromised in multiple confirmed data breaches, resulting in fraudulent accounts, unauthorized inquiries, and inaccurate negative information appearing on my consumer reports with TransUnion, Equifax, and Experian. I am also formally OPTING OUT of all third-party data sharing, credit reporting of unverifiable accounts, and any continued furnishing of inaccurate information under FCRA and GLBA rights. In addition, some furnishers have illegally continued reporting accounts that were discharged, canceled, or forgiven, including accounts tied to a 1099-C, which legally proves the creditor ceased collection activity and reported the debt as income to the IRS. Once a debt is canceled or forgiven through a 1099-C, it can not be reported as an active collection, charge-off, delinquency, or balance on a consumer credit report.

This is a violation of FCRA 602, 623 ( a ) ( 1 ) ( A ), 605, and 607 ( b ) because the information is not accurate, complete, or legally reportable. Unlawfully Reported Accounts ( Including 1099-C Accounts ) Several creditors have continued reporting balances, charge-offs, or derogatory information EVEN AFTER issuing or triggering a 1099-C event, meaning : The creditor declared the debt as income and abandoned the right to collect. You CAN NOT legally report a discharged or forgiven debt to consumer reporting agencies because it no longer exists as a collectible obligation. 
I have firsthand written proof from the companies involved showing that my identity and financial information were exposed without my consent. 

Proof of Data Breach # XXXX Equifax Data Breach ( XXXX ) I am officially listed as a victim of the Equifax XXXX XXXX. 
I have attached the official settlement eligibility confirmation which states : " My personal information was impacted by this incident. 
This breach exposed the personal information of over XXXX XXXX consumers, including mine. This includes : Name, Social Security Number, Address, Date of birth, Credit file identifiers, Loan information. This breach directly increased my vulnerability to identity theft and unauthorized access to my credit profile. 

Proof of Data Breach # XXXX XXXX XXXX XXXX XXXX ( XXXX  ) On XX/XX/year>, I received a formal notification letter from XXXX XXXX XXXX, stating that : XXXX was the victim of a cybersecurity incident the criminal actor had stolen a number of files the affected files included borrower name, address, taxpayer identification number ( SSN/EIN ), loan account number, loan amount, interest rate, maturity date, phone number, email, and closing date. 

This letter is attached as evidence and clearly states that : My name, My SSN, My address, My loan account numbers, My financial information were illegally accessed and stolen by a criminal actor between XX/XX/XXXX and XX/XX/XXXX, XXXX proves that not only was my personal data exposed, but my financial identity, loan identifiers, and full borrower profile were compromised. 
Identity Theft Resulting from Both Breaches Because my personally identifiable information ( PII ) was compromised in XXXX major breaches, criminals had access to enough data to : Generate false inquiries - Dozens of lenders accessed my file without a permissible purpose. Alter my credit file, Addresses and identifiers appeared that do not belong to me. 
Trigger negative reporting- Charge-offs, late payments, and derogatory marks tied to breached data. 
Legal Basis Requiring FULL Deletion of All Negative Information Under the FCRA, the credit bureaus and creditors MUST delete all information resulting from identity theft, including : FCRA 605B Identity Theft Blocking FCRA 602 Maximum Possible Accuracy FCRA 611 Reinvestigation Requirement FCRA 623 ( a ) ( 1 ) ( A ) Furnisher Duty to Report Accurate Information Because my identity was compromised by TWO separate breaches, no negative account or inquiry can be presumed accurate or legitimate. 

I am requesting and legally demanding : Immediate BLOCKING and DELETION of All fraudulent accounts, All negative/derogatory items, All unauthorized inquiries, All inaccurate personal information, All accounts tied to 1099-C cancellation-of-debt reporting I have already filed an FTC Identity Theft Report ( Report # XXXX and Report # XXXX ). The accounts listed below are fraudulent and must be removed under FCRA 605B ( Blocking of Identity Theft Information ) and FCRA 623 ( a ) ( 1 ) ( A ) ( Furnisher accuracy requirement ). 

Fraudulent Auto Loans & Personal Loans ( Reported without my authorization ) XXXX XXXX XXXX XXXX Account # XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX {$26000.00} XXXX XXXX XXXX Loan Account # XXXX {$3800.00} XXXX XXXX XXXX XXXX Account # XXXX {$290.00} These accounts contain reporting errors, inconsistent dates, incorrect balances, and do not match my financial history. 

( Fraudulent Credit Cards Reporting Without My Consent ) XXXX  Account # XXXX {$730.00} XXXX XXXX XXXX  Account # XXXX {$630.00} XXXX Bank Account # XXXX {$1300.00} These are inaccurate accounts. These accounts are reporting inaccurately. 
Unauthorized Hard Inquiries ( No permissible purpose ) Under FCRA 604, none of the following companies had a valid reason to pull my credit. 
I did not apply for credit with any of them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these inquiries must be removed. 
Personal Information Fraud, Unauthorized addresses and names have been added to my file that I did not provide or use. FCRA requires the bureaus to maintain accurate personal identifiers, and these errors indicate mixed-file identity contamination.

FCRA Violations Being Committed FCRA 602 Failure to ensure maximum accuracy FCRA 604 Inquiries made without permissible purpose FCRA 605B Identity theft block not being applied FCRA 611 Improper reinvestigation procedures FCRA 623 Furnishers reporting inaccurate information I have already disputed these accounts and inquiries with the credit bureaus, but they continue reporting inaccurate and fraudulent information. 
What I am Requesting Through this CFPB Complaint 1. Immediate blocking and permanent deletion of all fraudulent accounts under FCRA 605B.

2. Removal of * * all unauthorized inquiries * * made without permissible purpose.

3. Investigation and enforcement action against any creditor who continues reporting fraudulent information.

4. Correction of all personal identifying information contaminated by identity theft.

5. Written confirmation from all credit bureaus and furnishers. 
I certify under penalty of perjury that the accounts and inquiries listed above were not authorized by me and are the result of identity theft or misuse of my personal information. 

FINAL NOTICE Arbitration and Federal Court Warning IF this complaint is ignored, if the negative information is not deleted, or if the bureaus/creditors continue reporting unverifiable or inaccurate data, I will immediately proceed with binding Arbitration and/or file a lawsuit in Federal Court. 

I am prepared to pursue claims for : FCRA violations Negligent reporting Willful reporting Violations of 605B identity theft blocking Damages for identity theft Damages for continued reporting after notice I have already accumulated : FTC Identity Theft Reports, Identity Theft Affidavits, Both data breach letters ( Equifax + XXXX ), My IdentityIQ credit file, My full dispute letters, Proof of fraudulent accounts, Proof of unauthorized inquiries, All legal documentation needed. 

This serves as formal notice that failure to correct my reports immediately will result in Arbitration or Federal legal action with full evidentiary support.

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