Consumer complaint received 2025-02-27 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: TX

Complaint narrative:
I am writing to formally and forcefully demand that the Consumer Financial Protection Bureau take immediate enforcement action against Equifax, Experian, and TransUnion for their blatant, unlawful reporting practices. These credit reporting agencies have, without my knowledge or consent, reported fraudulent accounts and unauthorized inquiries on my credit file. Despite my prompt dispute letters sent on XX/XX/2025, none of these bureaus have remedied the severe inaccuracies. Their actions constitute repeated violations of federal and state consumer protection statutes, and I now insist that the CFPB intervene to mandate immediate removal and permanent blocking of these items. 

I. Background and Disputed Items A. Fraudulent Accounts The following accounts are reported without my authorization and are fraught with egregious discrepanciesranging from conflicting open dates to erroneous account numbers and payment histories : Equifax Dispute Account : PORTFOLIO Account Number : CREDI**** Issues : This account is reported with inflated credit amounts, conflicting open dates, and a failure to adhere to the debt validation requirements mandated under 15 U.S.C. 1692g. 
Experian Dispute Account XXXX : XXXX XXXX XXXX  Account Number : XXXX Issues : A charged-off account displaying discrepancies in payment status and open dates, in clear violation of FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). 
Account XXXX : XXXX XXXX Account Number : XXXX Issues : A collection account with significant balance discrepancies, varying open dates, and a failure to validate the debt as required under 15 U.S.C. 1692g and FCRA mandates. 
Account XXXX : XXXX  Account Number : XXXX XXXX : Duplicate reporting with high credit amount discrepancies and conflicting open dates, evidencing systemic noncompliance with data accuracy requirements.

TransUnion Dispute Account : XXXX XXXX Account Number : XXXX Issues : A collection account reported with inconsistent open dates and balance discrepancies, directly violating FCRAs mandate for accurate and complete reporting.

B. Unauthorized Credit Inquiries The following unauthorized inquiries have been recorded on my credit file, constituting additional violations of my rights : Experian Report : Unauthorized inquiries by XXXX XXXX XXXX ( and associated entities ).

TransUnion Report : Unauthorized inquiries by XXXX, XXXX XXXX, and other entities.

II. Statutory Violations and Legal Obligations The practices outlined above are in flagrant violation of numerous consumer protection statutes, including : Failure to Validate and Notify : Under 15 U.S.C. 1692g, creditors must provide written debt validation within five days. The failure to do so renders these accounts invalid.

Failure to Ensure Accuracy : FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires that credit bureaus maintain accurate, complete, and verifiable information. The reported discrepanciesincluding conflicting open dates and inaccurate account detailsdemonstrate systemic noncompliance.

Failure to Investigate and Reinvestigate : FCRA 611 ( a ) ( 1 ) ( A ) mandates that disputes be investigated promptly ( within 30 days ), and 611 ( a ) ( 6 ) requires reinvestigation if initial investigations are inadequate. My disputes have not been addressed in accordance with these provisions.

Failure to Protect Consumer Data : Under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ), credit reporting agencies must implement safeguards to protect consumer information. The errors on my file indicate a breach of this duty.

Identity Theft and Fraudulent Reporting : The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) prohibits the reporting of accounts opened
without a consumers consent. The fraudulent accounts on my file are in direct violation of this Act.

Failure to Provide Resources for Identity Theft Victims : FTC guidelines under 15 U.S.C. 1681g ( e ) require that victims be provided with fraud alerts and other supportive measures. These protections have not been implemented in my case.

State Law Violations : Under XXXX XXXX XXXX  XXXX XXXX XXXX, identity theft and the reporting of fraudulent accounts are actionable offenses. The unlawful reporting on my file is a clear violation of these state law protections.

III. Demands for Immediate Enforcement In light of the serious and multiple statutory violations described above, I demand that the CFPB : Order Immediate Removal and Blocking : Mandate that Equifax, Experian, and TransUnion immediately remove and permanently block all fraudulent accounts, unauthorized inquiries, and any associated inaccurate information from my credit file. 
Enforce Statutory Compliance : Require that the credit bureaus comply fully with all provisions of the FCRAincluding 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 6 ), and 1681e ( b ) as well as the debt validation requirement under 15 U.S.C. 1692g.

Obtain Written Confirmation and Corrective Reporting : Compel each bureau to provide written confirmation of the removal and blockage actions, along with an updated, accurate credit report reflecting these corrections. 
Implement Robust Data Protection Measures : Order the credit reporting agencies to institute comprehensive safeguards in compliance with the Gramm-Leach-Bliley Act to protect consumer data and prevent future violations. 
Should these issues not be remedied forthwith, I will pursue all available legal remedies, including seeking statutory damages under FCRA 1681n and 1681o, and initiating litigation.

IV. Enclosures Enclosed are copies of my dispute letters sent to Equifax, Experian, and TransUnion, as well as supporting documentation including : A copy of my government-issued ID A copy of my Social Security card Police reports documenting the identity theft Proof of address I certify under penalty of perjury that the information provided herein is true and accurate. I respectfully demand immediate CFPB intervention to enforce compliance, correct these serious violations, and protect my rights as a consumer. 

Thank you for your prompt attention to this urgent matter. 

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