Consumer complaint received 2025-08-09 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: FL

Complaint narrative:
I am filing this complaint regarding the inaccurate and harmful reporting practices of XXXXXXXX XXXX XXXX in relation to my persons XXXX XXXX consumer credit file for EXPERIAN. I, the living woman XXXX XXXX, have been a victim of identity theft and have been trying to resolve this issue for over 6 months, and despite numerous attempts to resolve the issue, fraudulent accounts and unauthorized credit inquiries continue to appear on my consumer report. These inaccuracies have severely damaged my creditworthiness and caused me ongoing harm. 

For over XXXX months, I have taken consistent action to dispute fraudulent activity that has been reported on my consumer file. Despite my diligence, fraudulent accounts and inquiries remain on my report, which I have clearly identified as resulting from identity theft. 

The most egregious example is the presence of a fraudulent tradeline from XXXX XXXX XXXX. This fraudulent account was opened on XX/XX/year> with a balance of {$18000.00}. 

I have never applied for or received an Auto Loan from XXXX XXXX XXXX on XX/XX/year> and this account was opened without my knowledge or consent. Furthermore, the XXXX account agreement ( promissory note ) was forged by the criminal who stole my identity. This makes the account not only fraudulent, but also a forged instrument that XXXX XXXX XXXX improperly used in its financial dealings. 

XXXX and XXXX of XXXX When a promissory note is signed, it becomes a special deposit and an equitable asset, and the signer acquires equitable rights to that asset. Banks commonly monetize and securitize these notes. If a lender pools that promissory note with other notes and sells the pool as a security, this constitutes commingling special money with general money. For example, if my fraudulent note carried a face value of {$18000.00} and was pooled with other notes to create a {$100.00} XXXX security, under the rules of equity I would have an equitable claim to a share of that {$100.00} XXXX. 

Every time such a note is sold or transferred, it is considered an assignment. Each assignment creates further equitable obligations owed to the beneficial owner of the asset. In this case, because the note was fraudulent and forged, XXXX XXXX XXXX commingled a fraudulent asset with legitimate assets, monetized it, and sold XXXX becoming complicit in the identity theft. This is a clear breach of trust and a violation of both equitable principles and federal law. 

Legal Grounds : Under the FCRA ( 15 U.S. Code 1681c2 ) and 12 CFR 1022.3, consumers have the right to block information resulting from identity theft : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than XXXX business days after the receipt by such agency of : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have already provided all XXXX items, including my FTC Identity Theft Report, a copy of my ID, a list of the fraudulent items, and a signed written statement. XXXX XXXX XXXX has no legal basis to continue reporting this inaccurate and harmful information. 

If XXXX XXXX XXXXXXXX XXXX, EXPERIAN, and XXXX  do not take corrective action and resolve this matter fully and in compliance with the FCRA, I will pursue legal remedies, including : A federal lawsuit for FCRA violations A state lawsuit for civil non-compliance and damages Claims for emotional distress, financial harm, and pain and suffering as a result of this ongoing negligence Claims for conversion, unjust enrichment, breach of fiduciary duty, and knowing participation in identity theft through securitization of a fraudulent asset This issue must be addressed with the urgency it deserves. I appreciate the CFPBs involvement and protection of consumers like myself. 

Thank you for your attention and swift action in this matter.

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