Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am filing this complaint because my personal information was exposed in the Equifax Data Breach, and as a result, my identity has been compromised. Since the breach, multiple credit bureaus and furnishers have reported negative, inaccurate, and unverifiable information on my credit file. These accounts do not belong to me, and all of my disputes have been improperly handled or ignored.

I have formally disputed these items with TransUnion, Equifax, and Experian, and I also submitted opt-out notices under the FCRA and GLBA. Despite this, the disputed information is still being reported, which constitutes willful non-compliance and fraudulent reporting practices. 
Below are the inaccurate, unauthorized, and identity-theft-related accounts currently harming my credit : XXXX XXXX XXXX XXXX XXXX Charge-Off Approx . {$480.00} XXXX Duplicate/Conflicting Entry Charge-Off XXXX XXXX XXXX Auto Loan Charge-Off XXXX XXXX XXXX XXXX Account XXXX Derogatory/Late Payment Reporting These accounts are fraudulent , inaccurate, or unverifiable. I never opened or authorized them, and they appeared only after the Equifax Data Breach compromised my personal identity.

Additionally, several unauthorized hard inquiries have appeared on my credit file. I did not apply for credit with these companies, and these inquiries violate FCRA 604 ( no permissible purpose ). These inquiries must be removed immediately.

The credit bureaus and furnishers involved have violated multiple federal laws, including : FCRA 602 Maximum Possible Accuracy FCRA 604 Permissible Purpose FCRA 605B Identity Theft Blocking FCRA 609 Full File Disclosure FCRA 611 Reinvestigation Procedures FCRA 623 Duties of Furnishers to Report Accurate Information GLBA Privacy Rule Improper sharing and failure to safeguard personal information I opted out of all third-party sharing and prescreened offers, yet my personal data continues to be shared and used without consent, which violates federal privacy and consumer protection laws. 
I am requesting the CFPB to take action and require the credit bureaus and all furnishers involved to : Delete ALL inaccurate, unverifiable, fraudulent, or identity-theft-related accounts. 
Delete ALL unauthorized or impermissible hard inquiries. 
Delete ALL incorrect personal information. 
Immediately honor my opt-out requests. 
Provide written confirmation of all corrections. 
These errors have damaged my credit, prevented me from securing housing and financial opportunities, and caused emotional and financial harm. If they refuse to correct these issues, I will initiate arbitration and legal action for damages resulting from willful non-compliance, negligent reporting, identity theft violations, and continued furnishing of inaccurate information.

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