Consumer complaint received 2025-01-20 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Regarding Violations of Consumer Protection Federal Law 15 USC 1681 ( b ), 1681 ( i ), 1681 ( a ), 1681 ( A ) Dear Sir/Madam, I am writing to file a formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding inaccurate reporting, failure to correct errors, and their mishandling of identity theft and data breach incidents. Despite providing ample documentation related to my identity theft, Experian has not taken appropriate action in accordance with my rights under the FCRA. 
1. Inaccurate Reporting and Unresolved Disputes I have attached a copy of my credit report, which highlights numerous items that were reported incorrectly. Below is a summary of key issues identified : Account XXXX XXXXXXXX : Missing all information. 
XXXX XXXX Account XXXX XXXXXXXX : Missing high credit, last reported date, and date last active. 
XXXX Account XXXX XXXXXXXX : Missing payment history, last reported date, date last active, and date last payment. 
XXXX Account XXXX XXXXXXXX : Missing date opened, last active date, and date of last payment. 
XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX : Missing balance, high credit, last reported date, date last active, and date last payment. 
XXXX XXXX Accounts : Several accounts missing key information such as date opened, date last active, last reported date, and payment history. : XXXX XXXX Account XXXX XXXXXXXX : Not mine ; reported as an authorized user for my husband. 
XXXX Account XXXX XXXXXXXX : Fraudulent account, disputed many times. 
XXXX XXXX XXXX  Account XXXX XXXXXXXX : Missing all information ; I have never had this account and have disputed it multiple times. 
XXXX Account XXXX XXXXXXXX : All information is incorrect. 

Despite submitting dispute documentation, including my police case number and identity theft report, Experian continues to report these accounts as accurate. 
2. Fraudulent Accounts and Identity Theft I am a victim of identity theft and have been involved in multiple data breaches. I have provided Experian with a police report, identity theft report, and proof of my identity, but they have not removed fraudulent accounts or corrected erroneous information. The following accounts have been reported incorrectly due to identity theft and data breaches : XXXX XXXX XXXX Accounts : Multiple entries, including accounts XXXX XXXXXXXX and XXXX XXXXXXXX, which have been disputed for several years. 
3. Inaccurate Hard Inquiries I have identified unauthorized hard inquiries on my credit report that I did not authorize. These hard inquiries include the following : XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These unauthorized inquiries were disputed with both Experian and the respective companies, but Experian continues to refuse their removal along with Companies even with my documentation Request for Action Under the FCRA and CFPB regulations, I am requesting the following actions : 1. A thorough investigation of all inaccurate accounts and hard inquiries listed above removed 2. Removal of all fraudulent accounts from my credit report.

3. Removal of any incorrect hard inquiries.

4. A written explanation of how these inaccuracies were verified, especially given the documentation I have provided to Experian.

5. Immediate deletion of inaccuracies accounts and information from my credit report. 
I have attached a copy of my credit report, dispute information, police report, identity theft report, and supporting documentation for your review. Please take the necessary steps to ensure compliance with the FCRA and resolve these issues promptly. 
Thank you for your attention to this matter. I look forward to your timely response and resolution. 
Sincerely, XXXX 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