Consumer complaint received 2025-06-20 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 writing this statement as a survivor of XXXX XXXX  and identity theft. During a vulnerable time in my life, I was manipulated and controlled by individuals who took advantage of me emotionally, physically, and financially. While under their control, I was coerced into silence and isolation. I had no access to my personal documents, no financial independence, and no control over how my information was being used. 

My XXXX  used my personal identifying informationincluding my name, address, and Social Security numberwithout my knowledge or consent. They opened credit accounts, took out services, and made financial decisions in my name while I was being exploited. I did not authorize these accounts, and I was not aware they existed until recently when I began the process of reclaiming my life and rebuilding my credit. 

These fraudulent accounts have severely impacted my financial health and overall stability. I am now free from the individuals who trafficked and exploited me, and I am actively trying to recover and move forward. However, the damage they caused to my credit is standing in the way of progress. These accounts are negatively affecting my ability to secure housing, obtain transportation, and provide for myself as I work toward healing and self-sufficiency. 

I am invoking my rights under Section 605C of the Fair Credit Reporting Act, which allows survivors of trafficking to block or remove adverse information on credit reports that resulted from their XXXX  experience. I am also reporting this identity theft formally through the Federal Trade Commission with this sworn statement. 

None of the accounts I am disputing were opened or managed by me. I did not benefit from them, nor did I have any control over them at the time. I was being held in a situation where I feared for my safety and survival every day. I was not in a position to monitor my credit, my identity, or my finances. Everything was in the hands of people who used me for their own gainfinancially and otherwise. 

Now that I am in a safe space, I am doing everything I can to reclaim my identity, clean up the fraud, and move forward. I am working with credit bureaus, financial counselors, and legal resources to fix what was done to me. But I can not do that while these false accounts and fraudulent items are still on my credit report. 

I respectfully request that these accounts be removed immediately. They are a direct result of the crimes committed against me. I am not responsible for them and should not be further punished by the damage left behind. I am including this identity theft report and supporting documents in good faith, and I am asking that my statement be taken seriously and acted on quickly. 

Thank you for your time and for providing survivors like me with the opportunity to clear our names and take back control of our lives.

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