Consumer complaint received 2025-03-03 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: FL

Complaint narrative:
Dear Consumer Financial Services Team, I am writing to notify you of serious concerns regarding multiple instances of identity theft and unauthorized access to my personal information. I have attached a copy of my Identity Theft Report, which details 17 separate data breaches involving sensitive information such as my Social Security number, name, email address, employment details, phone number, and home address. These breaches need to be addressed and corrected without delay, as they are in direct violation of federal laws intended to protect consumers. 

Specifically, the following laws have been violated : 15 U.S.C. 1681b This statute requires that consumer reports only be accessed for permissible purposes. The breaches outlined in my Identity Theft Report indicate that my personal information was accessed without my consent or a valid, permissible purpose, in violation of this law. 

15 U.S.C. 1681c-2 According to this provision, consumer reporting agencies are prohibited from reporting information related to certain types of unauthorized inquiries, including those stemming from identity theft. The presence of these unauthorized inquiries in my credit report is a direct violation of my rights under this section of the law.

Additionally, the following inquiries remain on my credit report, which I am disputing due to the circumstances surrounding 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) was specifically identified as fraudulent. I have attached a confirmed letter from XXXX XXXX stating that the inquiry was made in error and was not initiated by me. Despite this confirmation, the inquiry remains on my credit report, and it must be removed immediately. 

Further documentation of these breaches, as well as additional evidence supporting my claims, is provided below. I urge you to investigate this matter thoroughly and ensure that all unauthorized inquiries and negative marks resulting from identity theft are removed from my credit report as required by law. 

This issue is causing significant harm to my creditworthiness, and I request that this be resolved promptly. Please confirm receipt of this letter and the attached documents and provide a clear timeline for resolution. 

I am writing to formally dispute several inaccuracies and violations present on my credit report, on equifax which have caused significant harm to my creditworthiness. I have reviewed my credit report and have identified the following issues that need to be addressed and corrected immediately : 1. Incorrect Personal Information : Name : My name is incorrectly reported as " XXXX XXXX. '' This is an error and needs to be corrected immediately. 
Employment : My employment is incorrectly listed as XXXX. This is also inaccurate and should be corrected to reflect my actual employment status. 
2. Closed Accounts : XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Hard Inquiries : The following hard inquiries on my credit report were made without my authorization, and they need to be investigated and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) These inquiries were made without my consent and constitute a violation of my rights under the law. I ask that you remove these inquiries immediately. 

Legal Violations : The discrepancies outlined above are in direct violation of the following federal laws : 15 U.S.C. 1681b This statute mandates that consumer reports may only be accessed for permissible purposes. The incorrect hard inquiries and inaccurate reporting of personal and employment information suggest unauthorized access to my credit report, which is a clear violation of this law. 

15 U.S.C. 1681c-2 According to this law, consumer reporting agencies are prohibited from reporting information related to unauthorized or improper inquiries, such as those that are a result of identity theft or error. The presence of these unauthorized inquiries on my credit report is a violation of this provision.

FTC Report : I have attached my FTC Identity Theft Report, which provides further evidence of unauthorized access and reporting of my personal information. I request that you immediately update my credit report to reflect accurate and up-to-date information. 

Request for Immediate Action : In light of these violations, I request that you investigate and remove the incorrect information, close the relevant accounts, and eliminate all unauthorized inquiries from my credit report as required by law. The presence of inaccurate information is damaging to my credit score and personal financial stability. 

In regards to experian i have already disputed several serious inaccuracies and violations present on my credit report. These discrepancies have caused significant damage to my credit standing, and I request that they be addressed and corrected immediately. Below are the issues that require urgent attention : 1. Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unauthorized Hard Inquiries : The following hard inquiries on my credit report were made without my authorization, and they need to be thoroughly investigated and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were made without my consent, and as such, I request their immediate removal from my credit report. 

Legal Violations : The issues above constitute violations of the following federal laws : 15 U.S.C. 1681b This statute specifies that consumer reports may only be accessed for permissible purposes. The inaccuracies, including the unauthorized hard inquiries and the incorrect reporting of closed accounts, indicate that my credit report was accessed without proper authorization, which is a direct violation of this law.

15 U.S.C. 1681c-2 According to this provision, consumer reporting agencies are prohibited from reporting unauthorized or incorrect inquiries, including those arising from identity theft or errors. The presence of these incorrect inquiries and account statuses on my credit report is a violation of this statute.

FTC Report : Attached is my FTC Identity Theft Report, which documents the unauthorized access to my personal information. I request that you immediately investigate and remove these unauthorized inquiries and correct the closed accounts, in compliance with federal law.

Request for Immediate Action : In light of the violations and discrepancies outlined above, I kindly request that you take the necessary steps to correct my credit report. This includes removing the unauthorized hard inquiries, removing accounts listed and ensuring that all information on my report is accurate and in compliance with the law.

Please confirm receipt of this letter and the attached documentation, and provide me with a clear timeline for resolution.

Thank you for your immediate attention to this matter. I look forward to your swift and thorough response.

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