Consumer complaint received 2025-11-12 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: MI

Complaint narrative:
I, XXXX XXXX XXXX, am a verified victim of identity theft within the meaning of 15 U.S.C. 1681a ( q ) ( 3 ). My full name, date of birth, address, drivers-license number, and Social Security Number were unlawfully exposed in the XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ), enabling unauthorized persons to use my identifiers to open fraudulent accounts now appearing on my Experian, XXXX, and XXXX  XXXX XXXX. 

These fraudulent tradelines include XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX XXXXXXXX. I never applied for, authorized, or benefited from these accounts. 

The Federal Trade Commissions IdentityTheft.gov system is unavailable due to the current federal shutdown. Pursuant to 15 U.S.C. 1681a ( q ) ( 4 ) ( B ) and 1681c-2 ( a ), this sworn affidavit executed under penalty of perjury ; constitutes a legally sufficient identity-theft report. It satisfies every statutory element : proof of identity, detailed statement of facts, and documentation of data compromise. Accordingly, the consumer reporting agencies are required by law to block and delete all identified identity-theft information within XXXX ( XXXX ) business days of receipt and may not delay such deletion pending FTC portal XXXX. 

Under 15 U.S.C. 1681c-2 ( a ), once a CRA receives proper proof of identity and an identity-theft report, the agency shall block the reporting of the identity-theft information not later than XXXX ( XXXX ) business days after receipt. Experian, XXXX, and XXXX  are therefore prohibited from conducting a reinvestigation under 1681i in lieu of deletion. Attempting to verify these fraudulent accounts through a furnisher rather than deleting them is a direct statutory violation. 

Any furnisher claiming these accounts are legitimate must, within the same statutory window, produce the complete verification artifacts, including : Original signed or electronic application; Full application metadata with XXXX timestamps and server logs ; All IP addresses, device fingerprints, browser headers, and geolocation data ; Payment authorization and funding records ; Identity-verification vendor reports and decision logs ; Any recorded communications purportedly with me ; and A sworn custodian-of-records certification attesting to authenticity and chain of custody. 

Failure to produce each and every XXXX of these artifacts within XXXX days renders the data legally unverifiable and mandates immediate deletion under 1681c-2 and 1681i ( a ) ( XXXX ). Continued reporting or reinsertion of such information after deletion, absent full recertification, constitutes willful non-compliance and reckless disregard of the FCRA, exposing all parties to liability under 15 U.S.C. 1681n for statutory damages of not less than {$1000.00} per violation, actual and punitive damages, attorneys fees, and costs. 

I respectfully request that the Consumer Financial Protection Bureau compel Experian, XXXX, and XXXX  to : Immediately block, delete, and permanently suppress all identified fraudulent tradelines ; Provide written confirmation of deletion within XXXX ( XXXX ) business days ; and Impose enforcement actions and civil penalties against any entity that knowingly or recklessly fails to comply with 605B.

This submission constitutes a formal Identity-Theft Report under 15 U.S.C. 1681a ( q ) ( 4 ). CFPB oversight is requested to ensure immediate compliance and permanent removal of all fraudulent data.

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