Consumer complaint received 2025-01-09 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: GA

Complaint narrative:
I am writing to bring to your attention the continued negligence and mishandling of my disputes by Experian regarding fraudulent accounts and unauthorized inquiries on my credit report. Despite filing a formal complaint with the CFPB on XX/XX/XXXX, under Complaint Number XXXX, the issues remain unresolved. Experians failure to investigate and correct these inaccuracies has caused significant harm to my financial standing and well-being. 

Background On XX/XX/XXXX, I submitted a complaint detailing how Experian has failed to : Conduct a proper investigation into the fraudulent accounts and inquiries reported on my credit file. 

Remove or correct inaccurate information despite my repeated disputes. 

Notify me of the investigation results or take any corrective action. 

Details of Fraudulent Accounts and Inquiries The following companies have been inaccurately reported as accounts or inquiries on my credit report. I have no relationship with these entities, and I did not authorize any activity associated with them : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX via Dealer : Inquiry XX/XX/XXXXXXXX XXXX XXXX : Inquiry XX/XX/XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX Legal Violations Experians inaction violates multiple federal laws designed to protect consumers : Fair Credit Reporting Act ( FCRA ) : 15 USC 1681i : Experian failed to properly investigate disputed inaccuracies. 

15 USC 1681s : Furnishers of information have not met their responsibilities to ensure accuracy.

15 USC 1681b : Unauthorized inquiries were conducted without permissible purposes.

Fair Debt Collection Practices Act ( FDCPA ) : 15 USC 1692g : Experian has not validated the debts in question. 

15 USC 1692e : False and misleading representations have been made in reporting. 

XXXX XXXX ( XXXX ) : 15 USC 6801-6803 : Experian has failed to protect my nonpublic personal information and disclose its privacy policies effectively. 

Right to Financial Privacy Act ( RFPA ) : 12 USC 3403 : Experians mishandling of my financial records breaches confidentiality requirements. 

Impact of Experians Negligence Experians ongoing failure to address these issues has caused me significant harm, including : Lowered Credit Score : Preventing access to fair lending opportunities. 

Financial Loss : Higher interest rates and denial of credit.

Emotional Distress : Anxiety, frustration, and a loss of confidence in the credit reporting system.

Requested Resolution I respectfully request the CFPBs assistance in ensuring that Experian : Removes all fraudulent accounts and unauthorized inquiries listed above from my credit report immediately. 

Conducts a thorough investigation into my disputes and provides written confirmation of the actions taken within XXXX  days. 

Compensates me for the financial and emotional harm caused by their negligence, including out-of-pocket expenses and the long-term impact on my creditworthiness. 

Implements corrective measures to ensure compliance with federal laws and prevent similar issues for other consumers.

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