Consumer complaint received 2025-03-14 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: GA

Complaint narrative:
Complaint Details : Subject : Request to Block Fraudulent Information Due to Identity Theft I am submitting this complaint due to multiple instances of identity theft that have resulted in fraudulent accounts being opened in my name and incorrect personal information remaining on my credit reports. Despite numerous attempts to have these errors corrected, the credit reporting agencies and relevant financial institutions have failed to act in compliance with the Fair Credit Reporting Act ( FCRA ). 

Background : Prior to last week, I attempted to access my credit profile and was informed by multiple representatives that I was unable to do so. This supports my claim of identity theft, as unauthorized accounts have been opened using my stolen personal information. Despite repeated requests, my personal information has not been updated or corrected as required by law. 

Requested Actions : I formally demand the following corrections be made to my credit profile : Personal Information Updates : Ensure my legal name is displayed correctly as [ Insert Name ]. 

Remove all outdated addresses. The only valid address is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX. 

Delete all incorrect phone numbers currently listed. 

Remove my Social Security number and date of birth from being publicly displayed. 

Remove all employer information from my credit report.

Fraudulent Accounts : Block and remove all fraudulent accounts immediately in accordance with 15 U.S.C. 1681c-2.

Provide the method of verification used to validate the disputed accounts as per 15 U.S.C. 1681i ( a ) ( 6 ).

Cease all collection activities related to fraudulent accounts as mandated by the Fair Debt Collection Practices Act ( FDCPA ).

Failure to Protect Personal Data : I have been a victim of multiple data breaches, including : XXXX XXXX XXXX Data Breach XXXX XXXX Breach ( XXXX XXXX SSNs exposed ) XXXX XXXX Breach ( XXXX XXXX records leaked ) XXXX Experian Breach ( millions of SSNs and credit histories exposed ) Due to these breaches, fraudulent accounts were opened in my name. The credit bureaus have failed to act on my repeated requests to update my information and place fraud alerts. 
Legal Violations Committed by the Credit Reporting Agencies & Data Furnishers : 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 safeguard my personal data.

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

Enclosed Documentation : I have attached the following supporting documents : FTC Identity Theft Report ( Report Numbers : XXXX, XXXX, XXXX, XXXX ) Copy of my government-issued ID for verification Law enforcement report case number XXXX for stolen checks Documentation of fraudulent check transactions related to XXXX XXXX Credit reports from XXXX and XXXX demonstrating outdated address removal Failure to Comply : If my requests are not addressed within 30 days, I will pursue further action, including but not limited to : Filing a complaint with the Federal Trade Commission ( FTC ) Taking legal action for noncompliance with federal consumer protection laws Seeking statutory damages of {$1000.00} per violation under 15 U.S.C. XXXX

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