Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing this complaint against XXXX, Experian, and XXXX for numerous violations of the Fair Credit Reporting Act ( FCRA ) and related laws, as well as their mishandling of my personal and business information, which has caused significant financial and emotional harm. These violations stem from the following : Reporting Fraudulent Accounts and Inquiries : My personal and business information ( associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) was used to create fraudulent accounts and generate unauthorized credit inquiries. These accounts and inquiries appear on my credit reports despite multiple disputes and clear evidence of identity theft. 

Violations : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy in credit reports. 
15 U.S.C. 1681b : Prohibition against accessing consumer reports without permissible purpose. 
Failure to Conduct Reasonable Investigations : Despite my submission of disputes and supporting documentation, including an FTC Identity Theft Report ( # XXXX ), the CRAs failed to conduct reasonable reinvestigations of disputed accounts and inquiries. These failures have prolonged the reporting of inaccurate and harmful information. 

Violations : 15 U.S.C. 1681i ( a ) ( 1 ) : Requirement to reinvestigate disputed information. 
15 U.S.C. 1681s-2 ( b ) : Furnishers ' obligation to investigate and report accurate information. 
Negligence in Safeguarding Consumer Data : My personal and business information was exposed in significant data breaches involving XXXX, Experian, and XXXX XXXX XXXX. These breaches directly facilitated the fraudulent activities that have affected my credit profile. 

Violations : 15 U.S.C. 1681e ( b ) : Requirement to protect consumer data accuracy and security. 
12 U.S.C. 5536 ( a ) ( 1 ) ( B ) : Prohibition of unfair practices under the Consumer Financial Protection Act ( CFPA ). 
Relevant Case Law : CFPB v. XXXX ( XXXX ) : {$700.00} XXXX settlement for systemic failures in protecting consumer data. 
Failure to Block Fraudulent Accounts and Inquiries : I submitted valid documentation under 15 U.S.C. 1681c-2, including the FTC Identity Theft Report and police reports, requesting that the CRAs block fraudulent accounts and inquiries. These requests were ignored, violating my rights under the FCRA. 

Violations : 15 U.S.C. 1681c-2 : Requirement to block fraudulent information upon receiving proper notice of identity theft. 
Improper Use and Reporting of My Credit Information : The CRAs failed to ensure that furnishers provided adequate validation before reporting accounts. In some cases, unauthorized entities accessed my credit reports without my consent or legitimate purpose. 

Violations : 15 U.S.C. 1681b ( f ) : Prohibition of unauthorized use of credit reports. 
15 U.S.C. 1681m ( e ) : Duties regarding address discrepancies.

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