Consumer complaint received 2025-09-18 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: MO

Complaint narrative:
I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) immediately enforce corrective action against Experian, and TransUnion for persistent and repeated violations of federal law. Over XXXX  days ago, I submitted detailed written disputes, comprehensive identity theft documentation, and supporting evidence. The bureaus have unlawfully failed to comply with their statutory obligations under the Fair Credit Reporting Act ( FCRA ) and associated federal laws, constituting further violations. 

Violations Committed by XXXX XXXX  : XXXX XXXX. XXXX ( FCRA XXXX ( b ) ) : Failure to maintain maximum possible accuracy. 

FCRA XXXX ( a ) ( XXXX ) ( A ) : Failure to investigate consumer disputes within the statutory XXXX timeframe. 

FCRA XXXX ( a ) ( XXXX ) : Failure to conduct reinvestigations and provide findings. 

XXXX XXXX. XXXX : Failure to notify the consumer of alleged debts within the required timeframe. 

XXXX XXXX ( XXXX XXXX. XXXX ) : Failure to adequately safeguard consumer personal information. 

XXXX XXXX. XXXX : Identity theft and unauthorized misuse of personal data. 

XXXX XXXX. XXXX ( XXXX ) : Failure to provide adequate victim assistance, fraud alerts, and recovery tools. 

XXXX Violations : Noncompliance with established industry reporting standards. 

Missouri XXXX Practices XXXX ( XXXX ), XXXX  XXXXXXXX XXXX XXXX XXXX Engaging in unfair, deceptive, or fraudulent trade practices in consumer transactions. 

Missouri Identity Theft XXXX, XXXX XXXX : Unauthorized use of personal identifying information for fraud, including obtaining or using identification of another person with intent to deceive. 

FDCPA XXXX XXXX. XXXX ( b ) : Failure to respond to validation requests within XXXX  days. 

Fraudulent and Inaccurate Accounts Requiring Immediate Removal and Permanent Blocking : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA XXXX ( b ), XXXX ( a ) XXXX XXXX formatting and XXXX violations Missouri Merchandising Practices Act ( MMPA ) XXXX XXXX XXXX XXXX 
State law on employment/wagereporting under XXXX. XXXX DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, FDCPA XXXX XXXX. XXXX ( XXXX ), XXXX, and the Missouri XXXX Practices XXXX ( XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX  due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Missouri law. 
XXXX. XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX  Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX XXXX  XXXX ( b ), XXXX ( a ) XXXX XXXX formatting and XXXX violations Missouri Merchandising Practices Act ( MMPA XXXX XXXX XXXX XXXX XXXX 
State law on employment/wagereporting under XXXX. XXXX DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, FDCPA XXXX XXXX. XXXX ( XXXX ), XXXX, and the Missouri XXXX Practices XXXX ( XXXX ), XXXX XXXX XXXX XXXXXXXX & XXXX due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Missouri law. 
XXXX. XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX and accuracy violations Missouri Merchandising Practices Act ( MMPA ) XXXX XXXX XXXX XXXX 
State law on employment/wagereporting under XXXX. XXXX DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, FDCPA XXXX XXXX. XXXX ( XXXX ), XXXX, and the Missouri XXXX Practices XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXXXXXX due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Missouri law. 
XXXX. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX XXXX  XXXX ( b ), XXXX ( a ) XXXX XXXX formatting and XXXX violations Missouri Merchandising Practices Act ( MMPA ) XXXX XXXX XXXX XXXX 
State law on employment/wagereporting under XXXX. XXXX DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, FDCPA XXXX XXXX. XXXX ( XXXX ), XXXX, and the Missouri XXXX Practices XXXX ( XXXX ), XXXX XXXX XXXX XXXXXXXX & XXXX due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Missouri law. 
XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX XXXX  XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX and accuracy violations Missouri Merchandising Practices Act ( MMPA ) XXXX XXXX XXXX XXXX 
State law on employment/wagereporting under XXXX. XXXX DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, FDCPA XXXX XXXX. XXXX ( XXXX ), XXXX, and the Missouri XXXX Practices XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXXXXXX due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Missouri law. 
XXXX. XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX XXXX  XXXX ( b ), XXXX ( a ) XXXX XXXX formatting and XXXX violations Missouri Merchandising Practices Act ( MMPA ) XXXX XXXX XXXX XXXX. 
State law on employment/wagereporting under XXXX. XXXX DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, FDCPA XXXX XXXX. XXXX ( XXXX ), XXXX, and the Missouri XXXX Practices XXXX ( XXXX ), XXXX XXXX XXXX XXXXXXXX & XXXX due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Missouri law. 
XXXX. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX XXXX  XXXX ( b ), XXXX ( a ) XXXX XXXX formatting and XXXX violations Missouri Merchandising Practices Act ( MMPA ) XXXX XXXX XXXX XXXX 
State law on employment/wagereporting under XXXX. XXXX DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, FDCPA XXXX XXXX. XXXX ( XXXX ), XXXX, and the Missouri XXXX Practices XXXX ( XXXX ), XXXX XXXX XXXX XXXXXXXX & XXXX due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Missouri law. 

XXXX. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX XXXX  XXXX ( b ), XXXX ( a ) XXXX XXXX formatting and XXXX violations Missouri Merchandising Practices Act ( MMPA ) XXXX XXXX XXXX XXXX 
State law on employment/wagereporting under XXXX. XXXX DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, FDCPA XXXX XXXX. XXXX ( XXXX ), XXXX, and the Missouri XXXX Practices XXXX ( XXXX ), XXXX XXXX XXXX XXXXXXXX & XXXX due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Missouri law. 
XXXX. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX XXXX XXXX ( b ), XXXX ( a ) XXXX XXXX formatting and XXXX violations Missouri Merchandising Practices Act ( MMPA ) XXXX XXXX XXXX XXXX 
State law on employment/wagereporting under XXXX. XXXX DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, FDCPA XXXX XXXX. XXXX ( XXXX ), XXXX, and the Missouri XXXX Practices XXXX ( XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Missouri law. 
XXXX. XXXXXXXX  Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX XXXX  XXXX ( b ), XXXX ( a ) XXXX XXXX formatting and XXXX violations Missouri Merchandising Practices Act ( MMPA ) XXXX XXXX XXXX XXXX. 
State law on employment/wagereporting under XXXX. XXXX DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, FDCPA XXXX XXXX. XXXX ( XXXX ), XXXX, and the Missouri XXXX Practices XXXX ( XXXX ), XXXX XXXX XXXX XXXXXXXX & XXXX due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Missouri law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX XXXX  XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX and accuracy violations Missouri Merchandising Practices Act ( MMPA ) XXXX XXXX XXXX XXXX 
State law on employment/wagereporting under XXXX. XXXX DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, FDCPA XXXX XXXX. XXXX ( XXXX ), XXXX, and the Missouri XXXX Practices XXXX ( XXXX ), XXXX XXXX XXXX XXXXXXXX & XXXX due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Missouri law. 
XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX XXXX  XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX and accuracy violations Missouri Merchandising Practices Act ( MMPA ) XXXX XXXX XXXX XXXX 
State law on employment/wagereporting under XXXX. XXXX DEMAND : Immediate removal of all late payments under FCRA XXXX, FDCPA XXXX XXXX. XXXX ( XXXX ), XXXX, and the Missouri XXXX Practices XXXX ( XXXX ), Mo. 
XXXX XXXXXXXX. XXXX & XXXX due to inaccurate reporting and multiple violations of law. 
This account must be corrected immediately, flagged under Dispute Code XXXX Late Payment History Dispute, and processed through your structured automation logic to ensure deletion or correction of all unverifiable or incorrect late payment statuses. 
Fraudulent XXXX  Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX  Demand : Immediate deletion and permanent blocking of these inquiries under FCRA XXXX and the Missouri Merchandising Practices Act ( MMPA ) Mo. Rev. XXXX. 
XXXX due to identity theft and lack of verification. 
Incorrect or Unfamiliar Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  Demand : Immediate deletion and permanent blocking of these addresses under FCRA XXXX and the Missouri Merchandising Practices Act ( MMPA ) Mo. Rev. XXXX. 
XXXX due to identity theft and lack of verification. 
Incorrect Employer Listing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Demand : Immediate deletion and permanent blocking of these employers under FCRA XXXX and the Missouri Merchandising Practices Act ( MMPA ) XXXX XXXX XXXX 
XXXX due to identity theft and lack of verification. 
Incorrect Name Listing : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  Demand : Immediate deletion and permanent blocking of these names under FCRA XXXX and the Missouri Merchandising Practices Act ( MMPA ) XXXX XXXX XXXX 
XXXX due to identity theft and lack of verification. 
Requested XXXX from the CFPB : XXXX enforcement of removal and permanent blocking of all fraudulent and inaccurate accounts listed. 
XXXX deletion of all unauthorized XXXX  inquiries. 
Correction of all inaccurate personal information, including addresses, employers, and names. 
Provision of updated credit reports from all XXXX  bureaus confirming these corrections. 
Implementation of statutory identity theft protections, including fraud alerts. 
Comprehensive investigation and imposition of sanctions for failure to comply with FCRA and FDCPA mandated deadlines. 
Imposition of appropriate fines or disciplinary actions against the bureaus for willful neglect of their legal obligations. 
Supporting Documentation Previously Submitted : Government-issued photo identification Social Security XXXX XXXX police report documenting identity theft Proof of current residence Original dispute letters XXXX XXXX XXXX Declaration : I hereby affirm, under penalty of perjury, that all statements provided herein are truthful and accurate to the best of my knowledge. Due to the significant harm caused by the illegal actions of these bureaus and creditors, I request urgent intervention from the CFPB to enforce compliance with federal law, protect my consumer rights, and restore the integrity of my credit report.

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