Consumer complaint received 2025-01-23 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: IN

Complaint narrative:
Complaint Title : Experian, XXXX, and XXXX Violations : Identity Breach, Unauthorized Reporting, and Failure to Address Disputes FTC fraud Report number : XXXX Complaint Details 1. XXXX XXXX XXXX This account was disputed, but no action was taken by Experian, XXXX XXXX or XXXX XXXX 
XXXX XXXX does not have my written consent to report this account to my credit file, as required by the Fair Credit Reporting Act ( FCRA ). 
This account is inaccurately reported. Despite making a {$750.00} down payment, this payment is not reflected in my credit report. 
The account has not been updated for over a year to reflect its current status, including payments made in full. 
Reporting errors include multiple inconsistencies, including inaccurate balances and dates. 
This is an income-based account that should not be reported unless paid in full. As an investor in XXXX XXXX XXXX, I bartered with the company. Reporting this account violates my rights without my explicit consent. 

2. XXXX XXXX XXXX XXXX ( XXXX ) The account falsely reports late payments, despite the fact that I was never late. 
The account has been charged off, and I received IRS Forms 1099-C and 1099-A, confirming debt forgiveness. 
XXXX XXXX XXXX XXXX monetized this account yet failed to update the reporting to Paid as Agreed with no late payments. 

3. XX/XX/XXXX XXXX This account is being reported on my credit file without my written authorization, which violates the FCRA. 
I did not consent to XXXX XXXX reporting this account to any credit bureau, and it must be removed immediately. 

4. XXXXXX/XX/XXXXThis account inaccurately reports late payments, despite my payments being on time. 
The account must be updated to reflect Current status. 

XXXX. Unauthorized Inquiries on Credit Report The following inquiries were unauthorized, fraudulent, and done without my consent. I demand their immediate removal from Experian, XXXX, and XXXX : XXXX XXXX ( XXXX XXXX, XXXX ) XXXX XXXX ( XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XX/XX/XXXX )XX/XX/XXXX, XXXX ) Violations and Legal Basis 1. Fair Credit Reporting Act ( FCRA ) : The FCRA mandates the accurate and authorized reporting of consumer credit information. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XX/XX/XXXX violated this law by reporting unauthorized or inaccurate information. 
The bureaus failed to verify or remove fraudulent inquiries despite repeated disputes. 
2. Breach of Data Security : My personal data has been breached and exploited by the credit bureaus, yet they continue to securitize and sell my data for profit without providing transparency or remedy. 
3. Consumer Data Monetization Violations : The credit bureaus unauthorized selling of consumer information violates privacy laws, including the Gramm-Leach-Bliley Act ( GLBA ).

4. Failure to Provide Consumer Files : XXXX has failed to provide a copy of my full consumer file ( beyond the consumer report ), as required under the FCRA. 

Additional Concerns The credit bureaus practices of reporting income-based accounts as standard debts misrepresent my financial situation. 
Income-based accounts are conditional and should not be reported unless fully paid. Publicly reporting these accounts without consent constitutes an invasion of privacy. 

Requested Resolution To resolve these violations, I request the following actions : 1. Removal of All Disputed Accounts and Inquiries : Remove all disputed accounts listed above from my credit report immediately.

Delete all unauthorized inquiries identified in this complaint.

2. Correction of Reporting Errors : Correct inaccuracies in the reporting of theXX/XX/XXXX XXXX XXXX, XX/XX/XXXX, and XXXX accounts. 
Ensure these accounts are accurately reported as Paid as Agreed or removed altogether if they are income-based accounts.

3. Proof of Authorization : Provide documentation for each inquiry listed, including signed applications or wet-ink signatures, proving they were authorized by me.

4. Transparency on Data Use : Disclose the scope of data monetization activities involving my personal information.

Provide a complete consumer file ( not just a credit report ) from all three credit bureaus.

5. Data Breach Remedies : Cease securitization and unauthorized selling of my data.

Implement stronger data security measures to prevent future breaches. 

Supporting Documentation I am attaching the following documents to support this complaint : A copy of my FTC Fraud Report Number : XXXX FTC Report Number. 
Copies of IRS Forms 1099-C and 1099-A, confirming debt forgiveness for XXXX XXXX XXXX XXXX XXXX 
Proof of disputes Conclusion Experian, XXXX, and XXXX have demonstrated a consistent pattern of negligence and misconduct, violating consumer protection laws and breaching my privacy. These actions have caused significant harm to me, including financial damage, reputational harm, and emotional distress. 

I urge the Consumer Financial Protection Bureau to investigate these violations and hold the credit bureaus accountable. I expect a resolution within 15 days, as mandated under applicable laws. Failure to resolve this matter will leave me no choice but to escalate with additional legal and regulatory actions.

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