Consumer complaint received 2025-07-11 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: NJ

Complaint narrative:
Formal Identity Theft Complaint and Demand for Enforcement Action Against Experian Information Solutions , Inc . 

I. INTRODUCTION AND STATEMENT OF CLAIM This is a formal identity theft and unfair trade practice complaint being filed against Experian Information Solutions , Inc. ( Experian ), under the authority of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the XXXX XXXX, 15 U.S.C. 1125, the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028A, and the Privacy Act of 1974 ( 5 U.S.C. 552a ).

Experian has demonstrated a pattern of willful, malicious, and negligent misconduct through the following unlawful acts : Continuing to furnish, maintain, and publish inaccurate, outdated, and false trade-lines after multiple formal disputes filed under 15 U.S.C. 1681i ; Monetizing and distributing my Personally Identifiable Information ( PII ) and federally protected trademark without consent or legal basis, in violation of the XXXX XXXX ; Committing aggravated identity theft by facilitating the unauthorized use and transmission of my identity data for commercial gain ; Engaging in unjust enrichment and deceptive practices, using my data to generate revenue while failing to correct known inaccuracies.

II. FACTUAL BACKGROUND False and Inaccurate Reporting Experian has willfully failed to correct or delete inaccurate, unverifiable, and incomplete information after receiving multiple dispute notices from me, in violation of FCRA 611 ( 15 U.S.C. 1681i ) and 1681e ( b ). These trade-lines have negatively impacted my creditworthiness, defamed my character, and caused measurable harm. 

Unauthorized Use of Federally Registered Trademark The trade-name and identity Experian is commercially reporting and distributing is a federally protected trademark protected under XXXX Serial XXXX. XXXX. Experian has monetized this name without license or lawful authority, in violation of 15 U.S.C. 1125 ( a ) for false designation of origin and unauthorized use in commerce. Commercial Exploitation of My Identity a
nd PII Experian continues to sell, share, and disseminate my private identity information, including my name, address, credit file contents, and identifying details, to data brokers and third parties, without my knowledge or consent. This conduct meets the criteria for aggravated identity theft under 18 U.S.C. 1028A, especially in cases where this information has been linked to unauthorized credit pulls and identity misuse. 
Pattern of Disregard for Consumer Rights Experian has a long and well-documented history of noncompliance with federal law, violating the rights of millions of consumers. Despite regulatory scrutiny and civil litigation, Experian continues to engage in deceptive practices, including refusing to process disputes properly, failing to notify consumers of investigations, and selling consumer data without adequate safeguards.

III. CONTROLLING CASE LAW AGAINST EXPERIAN XXXX XXXX Experian Info. Solutions, XXXX, XXXX. XXXX ( XXXX XXXX XXXX ) This class action lawsuit underscores Experians failure to correct inaccurate reporting and failure to conduct reasonable investigations under FCRA 1681i. Experian was accused of failing to remove obsolete and incorrect debt entries even after proper dispute procedures were followed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Though focused on XXXX, this case supports the proposition that inaccurate credit reporting that creates a materially misleading impression is actionable under the FCRAapplicable to Experians conduct here. 

XXXX v. Experian XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) The court held that Experian may be liable under the FCRA where it fails to conduct a reasonable reinvestigation and continues to furnish disputed data, especially when it is factually or legally inaccurate. The court emphasized that mere automation or reliance on furnisher confirmation is not sufficient under federal law. 

FTC v. Experian XXXX. Solutions, XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) The FTC previously sued Experian for deceptive practices regarding credit report marketing and the misuse of private information, resulting in a consent decree. The companys current behavior reflects a resurgence of the same misconduct, justifying renewed enforcement and penalties.

IV. LEGAL VIOLATIONS ASSERTED Experians conduct constitutes violations of : 15 U.S.C. 1681e ( b ) failure to maintain accurate and up-to-date consumer reports ; 15 U.S.C. 1681n, and 1681o - Willful failure to ensure accuracy and correct false data ; Negligent and willful failure to investigate disputes and remove false trade-lines ; 15 U.S.C. 1681i ( a ) failure to conduct reasonable reinvestigation of disputed information ; 15 U.S.C. 1125 ( a ) un
authorized commercial use and infringement of federally registered trademark ; 18 U.S.C. 1028A aggravated identity theft by disseminating PII without consent ; 5 U.S.C. 552a violation of the Privacy Act through unauthorized disclosure and sale of personal data ; Common law defamation, negligence, conversion, and unjust enrichment.

V. DEMAND FOR FTC ENFORCEMENT ACTION Immediately investigate Experian for identity theft, data misuse, trademark infringement, and ongoing FCRA violations ; Refer Experians identity theft violations to the Department of Justice for potential criminal prosecution under 18 U.S.C. 1028A ; Issue a Civil Investigative Demand ( CID ) to obtain all internal documentation regarding Experians handling of consumer disputes and the sale of credit files ; Compel Experian to cease and desist from further unauthorized use of my PII and federally protected trademark ; Impose monetary sanctions and penalties as authorized under the FCRA, XXXX XXXX, and the FTC Act for willful noncompliance ; Order complete deletion and removal of all disputed trade-lines and accounts that Experian has failed to verify as accurate and complete ; Require a full accounting of all third parties who have accessed, purchased, or obtained my data from Experian. 

VI. NOTICE OF INTENT TO PURSUE PRIVATE ACTION Let this serve as formal notice that if regulatory relief is not immediately forthcoming, I will initiate a civil suit or arbitration demand against Experian for identity theft, trademark infringement, defamation, and FCRA violations under 15 U.S.C. 1681n and 1681o, seeking actual, statutory, and punitive damages.

All rights reserved. Without prejudice pursuant to UCC 1-308.

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