Consumer complaint received 2025-08-07 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: IL

Complaint narrative:
FORMAL REQUEST FOR CFPB ENFORCEMENT ACTION - EXPERIAN SYSTEMATIC FCRA VIOLATIONS I am requesting immediate CFPB enforcement action against Experian Information Solutions for systematic violations of federal consumer protection laws that appear to constitute a pattern of willful non-compliance requiring regulatory intervention. ENFORCEMENT ACTION JUSTIFICATION : This is not an isolated dispute but evidence of Experian 's systematic failure to comply with federal identity theft protection statutes while industry competitors maintain proper compliance. This pattern suggests intentional non-compliance requiring CFPB enforcement powers. SPECIFIC REGULATORY VIOLATIONS : 1. WILLFUL SECTION 605B VIOLATIONS : Experian refuses to block confirmed identity theft information despite receiving identical documentation that XXXX  and XXXX  accepted and properly processed by deleting fraudulent accounts. 2. SYSTEMATIC NON-COMPLIANCE PATTERN : Evidence suggests Experian maintains policies or procedures that violate 15 U.S.C. 1681c-2 identity theft blocking requirements, creating widespread consumer harm. 3. COMPETITIVE ADVANTAGE THROUGH VIOLATION : Experian gains unfair advantage by avoiding compliance costs that competitors bear, harming both consumers and compliant competitors. CONCRETE EVIDENCE OF SYSTEMATIC VIOLATIONS : CASE EXAMPLE - MY IDENTITY THEFT CASE : - FTC Report # XXXX  + Supplemental # XXXX  ( Federal Documentation ) - Police Case # XXXX-XXXX  ( Law Enforcement Confirmation ) - $ XXXX in confirmed fraudulent debt across multiple accounts - Geographic impossibility proven ( consumer in Illinois , accounts opened elsewhere ) COMPLIANCE COMPARISON : XXXX  : Received documentation Investigated DELETED all fraudulent accounts XXXX  : Received documentation Investigated DELETED all fraudulent accounts EXPERIAN : Received IDENTICAL documentation Refused investigation CONTINUES ILLEGAL REPORTING FRAUDULENT ACCOUNTS EXPERIAN ILLEGALLY CONTINUES REPORTING : 1. XXXX XXXX XXXX : {$7500.00} charge-off ( DELETED by XXXX ) 2. XXXX XXXX XXXX XXXX : {$10000.00} charge-off ( DELETED by XXXX  ) 3. XXXX XXXXXXXX XXXX XXXXXXXX : {$4900.00} auto loan ( DELETED by XXXX ) REGULATORY INTERVENTION REQUIRED : Standard consumer complaint processes have failed. Experian 's systematic non-compliance requires CFPB enforcement powers including : 1. FORMAL INVESTIGATION : Pattern analysis of Experian 's identity theft blocking procedures 2. COMPLIANCE ORDER : Mandatory implementation of proper Section 605B procedures 3. CIVIL MONEY PENALTIES : Deterrent penalties for systematic violations 4. INJUNCTIVE RELIEF : Court order requiring compliance with federal statutes 5. MONITORING PROGRAM : Ongoing oversight of identity theft processing INDUSTRY IMPACT ANALYSIS : Experian 's non-compliance creates unfair competitive advantage by avoiding compliance costs borne by XXXX  and XXXX. This market distortion harms both consumers and compliant competitors, requiring regulatory correction. CONSUMER HARM MULTIPLIER : If Experian systematically violates identity theft laws for my case, logical inference suggests thousands of other identity theft victims face similar violations, creating widespread consumer harm requiring CFPB intervention. ENFORCEMENT PRECEDENT REQUEST : I request CFPB treat this as precedent-setting enforcement action demonstrating CFPB 's commitment to identity theft victim protection and deterring systematic non-compliance by major credit reporting agencies. SPECIFIC ENFORCEMENT ACTIONS REQUESTED : 1. Formal investigation into Experian 's identity theft blocking procedures 2. Compliance order requiring immediate implementation of proper Section 605B procedures 3. Civil money penalties for systematic violations of federal consumer protection laws 4. Public enforcement action demonstrating regulatory consequences for non-compliance 5. Mandatory compliance monitoring program for ongoing oversight 6. Industry guidance clarifying identity theft blocking requirements for all credit reporting agencies STATUTORY AUTHORITY : CFPB has clear authority under 12 U.S.C. 5581 to investigate and enforce violations of Federal consumer financial laws, including FCRA Section 605B violations. URGENCY JUSTIFICATION : Continued delay enables ongoing violations harming identity theft victims nationwide while providing Experian unfair competitive advantage through non-compliance. This case provides CFPB opportunity to demonstrate effective enforcement of identity theft protection laws and deter systematic violations by major credit reporting agencies. IMMEDIATE RELIEF REQUESTED : While CFPB develops enforcement action, immediate relief requested : - Emergency order requiring Experian delete fraudulent accounts from my file - Temporary monitoring of Experian 's identity theft processing procedures- Expedited investigation timeline given clear evidence of violations This complaint requests CFPB exercise full enforcement authority to address systematic violations requiring regulatory intervention beyond standard complaint resolution.

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