Consumer complaint received 2025-04-08 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 submitting this formal complaint to request urgent investigation and enforcement action against Equifax, Experian, and TransUnion for their failure to comply with federal consumer protection laws after my repeated attempts to dispute and remove fraudulent and inaccurate information from my credit reports.

Despite providing police reports, identification, and written disputes, the bureaus have persistently failed to block, investigate, or remove the items as required by law.

I. Violations of Law Federal Statutes Violated : FCRA 605B Failure to block identity theft accounts after proper documentation FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to ensure maximum accuracy FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct reasonable investigation FCRA 611 ( a ) ( 6 ) Failure to reinvestigate after additional documentation FCRA 1681g ( e ) Failure to provide identity theft victim resources FDCPA 809 ( a ) ( 15 U.S.C. 1692g ) Failure to validate debts within XXXX days Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) Failure to protect sensitive data 18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act XXXX  Statute 817.568 Criminal use of personal identification information II. Fraudulent Accounts Must Be Blocked & Deleted The following accounts were opened without my consent and are tied to identity theft : XXXX XXXX XXXX Acct # XXXX Violations : FCRA 607 ( b ), 605B, FDCPA 809 ( a ) XXXX  Acct # XXXX Violations : FCRA 607 ( b ), 611 ( a ) XXXX/XXXX  Acct # XXXX Violations : FCRA 607 ( b ), 611 ( a ) XXXX  XXXX  Acct # XXXX Violations : FCRA 607 ( b ), FDCPA 809 ( a ) XXXX XXXX  Acct # XXXX Violations : FCRA 607 ( b ), FDCPA 809 ( a ) XXXX XXXX  Acct # XXXX ( Duplicate of # XXXX reported twice ) Violations : FCRA 607 ( b ) XXXX  XXXX Acct # XXXX Violations : FCRA 607 ( b ), 611 ( a ) XXXX XXXX XXXX XXXX Acct # XXXX Violations : FCRA 607 ( b ), 611 ( a ) XXXX XXXX XXXX Acct # XXXX Violations : FCRA 607 ( b ), 611 ( a ) These accounts are inconsistent, unverifiable, and should have been blocked under FCRA 605B once identity theft documentation was submitted. 

III. Unauthorized Inquiries Must Be Deleted Immediately The following hard inquiries appeared on my credit report without authorization, constituting further damage to my credit profile : XXXX XXXX XXXX XXXX XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  not disclosed by bureau, but visible on report Each of these inquiries was made without my knowledge, consent, or application for credit, in violation of FCRA 604 ( a ).

IV. Inaccurate Personal Information The credit bureaus are reporting incorrect and fraudulent personal identifiers : Wrong Names : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX Wrong Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX These entries further confirm that unauthorized activity and identity theft occurred. 

V. Relief Requested from CFPB I request that the CFPB immediately compel the credit bureaus to : Permanently block and delete all XXXX fraudulent accounts listed above. 

Remove all XXXX unauthorized hard inquiries. 

Delete all inaccurate names and addresses from my file. 

Send me written confirmation and updated credit reports. 

Take enforcement action for violations of federal law. 

Issue guidance and compliance checks on bureau protocols for identity theft. 

Enclosures Provided to Bureaus ( Available to CFPB Upon Request ) Copy of Government-issued ID Copy of Social Security Card Identity Theft Police Reports Written Disputes submitted to Equifax, Experian, and TransUnion Thank you for protecting consumers like me from negligent and noncompliant credit reporting agencies. I look forward to your assistance in restoring the integrity of my credit file. 

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