Consumer complaint received 2025-05-10 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: GA

Complaint narrative:
Consumer Financial Protection Bureau Complaint Complainant : XXXX XXXX XXXX DOB : XX/XX/XXXX Phone : ( XXXX ) XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Date : XX/XX/XXXX Subject : Formal Complaint for Identity Theft, FCRA, and Metro 2 Violations Demand for Permanent Deletion, Blocking & Method of Verification To Whom It May Concern, I am filing this formal complaint against TransUnion, Equifax, and Experian, along with the following furnishers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX, and various creditors reporting unauthorized inquiries. 

These entries are either inaccurate, unverifiable, or directly related to identity theft, in violation of the Fair Credit Reporting Act ( FCRA ), Metro 2 compliance guidelines, and federal consumer protection law.

Part 1 : Identity Theft & Fraudulent Accounts- Section 605B Violation The following unauthorized collection and inquiry accounts were fraudulently opened without my consent : Fraudulent Collection Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * Balance : {$570.00} Status : Collection Creditor : XXXX XXXX XXXX XXXX Reported by : TransUnion & Equifax Opened : XX/XX/XXXX ( TU ), XX/XX/XXXX ( EQ ) Violation : FCRA 1681b ( c ), 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ), 1681c-1 ( Section 605B ) XXXX XXXX XXXX XXXX XXXX : {$3700.00} Opened : XX/XX/XXXX Reported by : TransUnion Violation : FCRA 1681b ( c ), 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ), 1681c-1 ( Section 605B ) Fraudulent Inquiries : Dept of Education XX/XX/XXXX ( Equifax ) Dept of Education XX/XX/XXXX ( TransUnion & Equifax ) XXXX XX/XX/XXXX XXXX Experian & TransUnion XXXX XXXX XX/XX/XXXX ( Experian & TransUnion ) Demands : 1. Permanent deletion and blocking of these items under FCRA Section 605B 2. Method of verification with full investigative detail 3. Contract bearing my signature 4. Forward flow and chain of assignment Part 2 : Inaccurate, Unverifiable, and XXXX XXXX XXXX XXXX Metro 2 & FCRA Violations XXXX. XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reports over 150 days late and charge-off status on an account opened XX/XX/XXXX ( Experian ) Violations : FCRA 1681s-2 ( a ) ( 1 ) ( A ), 1681e ( b ), 1681i ( a ), Metro 2 misreporting XXXX XXXX XXXX XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged-off for {$480.00} with conflicting dispute/status remarks between bureaus Violation : Improper dispute code reporting ; Metro 2 inconsistencies XXXX XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reports {$4200.00} charge-off and multiple lates across all XXXX bureaus Violation : Conflicting payment history, failed verification and reinvestigation Additional Violations for All Above : FCRA 1681i ( a ) : Inadequate reinvestigation FCRA 1681e ( b ) : Failure to maintain maximum accuracy FCRA 1681s-2 ( b ) : Failure to correct and investigate CFPB Regulation V ( 12 CFR Part 1022 ) : Misleading reporting Metro 2 : Discrepant and incomplete payment history codes Personal Identity Theft Statement I, XXXX XXXX XXXX, am a verified victim of identity theft. I did not open, authorize, or consent to the accounts or inquiries listed in this complaint. I have never done business with XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, or applied for credit with the Department of Education under the dates reported. I have submitted a police report and an FTC Identity Theft Report affirming this fact. 

My identity has been misused to open unauthorized financial obligations which now appear on my credit file. I dispute all such entries and demand immediate removal, blocking, and a full reinvestigation. 



Remedy Demanded 1. Permanent deletion and blocking of all disputed accounts and inquiries 2. Full method of verification and reinvestigation logs ( including name, title, documentation, and date ) 3. Forward flow agreement and chain of assignment for XXXX XXXX XXXX and XXXX XXXX XXXX 4. Cease and desist further reporting of any fraudulent or unverifiable accounts 5. Compliance with FCRA 1681n, 1681o, and Section 605B within 15 days or face legal action Failure to comply will result in civil litigation. This complaint will be forwarded to the Attorney General of Georgia, the FTC, and the Consumer Financial Protection Bureau. 

Sincerely, XXXX 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