Consumer complaint received 2025-02-24 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: MI

Complaint narrative:
Subject : RE : Social Security Number : XXXX Personal Information Update Request & Investigation of Potential Identity Theft Dear Agency, I am writing to formally request the immediate removal and update of certain personal identifiable information from my credit report. Despite multiple previous requestsvia written correspondence, phone calls, and online submissionsmy personal information has not been corrected. Furthermore, I have discovered significant discrepancies across my credit reports from TransUnion, Experian, and Equifax, which raise serious concerns regarding potential identity theft. 

I. Request for Deletions/Updates Full Legal Name : Please ensure my full legal name is displayed as XXXX XXXX only XXXX 
Address Update : Delete all outdated and irrelevant addresses from my credit report. 
The only address to be included is : XXXX XXXX XXXX XXXX XXXX XXXX I can not receive mail or any correspondence at outdated addresses, and I have no access to them. 
Phone Numbers : Please delete all phone numbers currently listed in my report. 
Social Security Number & Date of Birth : For privacy reasons, remove my Social Security number and date of birth from public display on my credit report. 
Employer Information : Delete all information currently listed under the " Employer '' section of my report.

II. Inconsistencies Across Credit Reports Upon reviewing my credit reports from TransUnion, Experian, and Equifax, I have observed the following discrepancies that strongly suggest potential identity theft : Account Number Discrepancies : The same account number appears differently across the XXXX bureaus, raising concerns that unauthorized individuals may be altering or misusing my information.

Payment Status Inconsistencies : Discrepancies exist in the reported payment status, indicating possible errors or fraudulent activity from transactions I did not authorize. 

Address Variations : The addresses listed across the XXXX credit bureaus do not match, suggesting that unauthorized parties may be using my information at different addresses.

Employer Information Variances : Inconsistent employer data across the reports further point to potential fraudulent attempts to link my identity to unauthorized accounts.

III. Data Breach Impact & Failure to Protect My Information I was involved in a data breach with XXXX XXXX XXXX which resulted in my personal information being compromised. As a result, fraudulent accounts were opened in my name. Despite repeated requests to update my personal information and to place fraud alerts, the credit bureaus have failed to act, leaving me vulnerable to further fraud. 

Additionally, each credit reporting agency has refused to provide the method of verification for disputed accounts, violating my consumer rights under multiple laws, including but not limited to : 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide the method of verification.

15 U.S.C. 1681c-2 : Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) : Failure to properly safeguard my personal data.

15 U.S.C. 1681s-2 : Failure of data furnishers to ensure accuracy in reporting.

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