Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this formal complaint against Equifax, Experian, and TransUnion for gross negligence, systemic compliance failures, and multiple violations of my rights under the following laws and regulatory frameworks : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Gramm-Leach-Bliley Act ( GLBA ) Metro2 & CDIA Data Reporting Standards Florida Consumer Protection Laws Summary of Issues : Despite submitting complete dispute packages that included : Government-issued ID Social Security card Proof of address Police report for identity theft Written statements denying account ownership the credit bureaus have failed to comply with the law and continue to report : Fraudulent tradelines Unauthorized hard inquiries Inaccurate personal information ( names, addresses, employers ) Violations Committed : Fair Credit Reporting Act ( FCRA ) 607 ( b ) Failure to maintain maximum possible accuracy 611 ( a ) ( 1 ) ( A ) Failure to reasonably investigate disputes within 30 days 611 ( a ) ( 6 ) Failure to reinvestigate upon receiving new evidence 1681g ( e ) Failure to provide proper fraud victim assistance 1681c-2 Failure to block fraudulent identity theft information 604 ( a ) ( 3 ) & 615 Impermissible access resulting in unauthorized inquiries 605 Reporting of obsolete and unverified information Fair Debt Collection Practices Act ( FDCPA ) 1692g Failure to issue validation notice within five days of reporting debt Gramm-Leach-Bliley Act ( GLBA ) XXXX Failure to safeguard nonpublic personal information Federal Criminal Code 18 U.S.C. 1028 Failure to address identity theft under the Identity Theft and Assumption Deterrence Act XXXX / CDIA Reporting Failures Misuse or omission of dispute codes Incorrect or conflicting account status indicators Inaccurate dates of first delinquency Mismatched credit limits and high balance fields Unupdated closure codes and responsibility designators XXXX. XXXX  Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  Violations of Law : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 : Format violations and inaccurate payment history FDUTPA : 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) DEMAND : IMMEDIATE REMOVAL of late payments of this tradeline under FCRA 1681c- XXXX. XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Violations of Law : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 : Format violations and inaccurate payment history FDUTPA : 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) DEMAND : IMMEDIATE REMOVAL AND PERMANENT BLOCKING of this tradeline under FCRA 1681c-2 . 
XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Violations of Law : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 : Format violations and inaccurate payment history FDUTPA : 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) DEMAND : IMMEDIATE REMOVAL AND PERMANENT BLOCKING of this tradeline under FCRA 1681c-2 . 
Fraudulent Inquiries to Remove XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unfamiliar or Incorrect Addresses XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX and Resolution Requested : I respectfully request the Consumer Financial Protection Bureau to : 1 . Order all three bureaus to block and delete fraudulent accounts and inquiries under FCRA 1681c-2.

2. Enforce Metro2 and CDIA standard compliance across all account fields.

3. Issue civil penalties for repeated statutory violations.

4. Provide written confirmation of deletions and corrections.

5. Supervise compliance to ensure permanent correction and prevention of future harm.

Documents Provided to the Bureaus : Government-issued ID Social Security card Police Report ( identity theft ) Proof of address I respectfully urge the CFPB to fully investigate these systemic violations and take all necessary enforcement actions to ensure compliance, accuracy, and consumer protection. I seek full restoration of my credit profile and financial integrity. 
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