Consumer complaint received 2025-03-02 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: CA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant Information : Full Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX FTC Report Number : XXXX Subject : Request to Block Fraudulent Information Due to Identity Theft Complaint Details : I am filing this formal complaint against the credit reporting agencies and relevant financial institutions due to their failure to address my repeated requests regarding identity theft and fraudulent accounts appearing on my credit report. Despite multiple attempts to correct this issue, these agencies have neglected their obligations under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws.

Summary of Issues : Fraudulent Accounts & Identity Theft : Unauthorized accounts have been opened in my name as a result of identity theft.

I was previously unable to access my credit profile, which further supports my claim of identity theft.

Failure to Update Personal Information : My personal information has not been updated despite multiple requests. 

I have requested that my full legal name be displayed as XXXX XXXX XXXX only. 

All outdated and irrelevant addresses should be removed, with the only valid address being XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

All phone numbers currently listed should be deleted. 

My Social Security number and date of birth should not be displayed on my credit report. 

My employer information should be deleted.

Data Breach Impact & Negligence in Protecting My Information : I am a victim of multiple data breaches that have compromised my personal information, including : Equifax breach ( XXXX ) : XXXX XXXX Social Security numbers, DOBs, and addresses exposed. 

XXXX breach ( XXXX ) : XXXX XXXX customer records leaked, including passport numbers. 

Experian breach ( XXXX ) : Millions of Social Security numbers and credit histories exposed. 

Despite repeated requests, the credit bureaus failed to act on these breaches, leaving me vulnerable to further fraud. 

Failure to Provide Method of Verification : Each credit reporting agency has refused to provide the method of verification for disputed accounts. This is a direct violation of the following laws : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide the method of verification.

15 U.S.C. 1681c-2 Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) Failure to properly safeguard my personal data.

15 U.S.C. 1681s-2 Failure of data furnishers to ensure accuracy in reporting.

Disputed Accounts & Inconsistencies : There are discrepancies among TransUnion, Experian, and Equifax that indicate identity theft and reporting errors.

I demand an immediate investigation and correction of these issues.

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