Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a formal complaint against Experian and Equifax for their willful noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Florida Consumer Collection Practices Act ( FCCPA ), Florida Statutes 559.55 et seq. Despite my repeated disputes and requests for verification of fraudulent and unauthorized accounts, both credit bureaus have failed to provide substantive evidence supporting their " verification '' claims. Their continued reporting of inaccurate and unverifiable information is a direct violation of federal and Florida consumer protection laws. 

Violations Committed by Experian and Equifax Both Experian and Equifax have violated the following laws : Failure to Conduct a Proper Reinvestigation ( 15 U.S.C. 1681i ( a ), Florida Statutes 559.77 ) Both agencies failed to provide a clear explanation of their verification process.

They did not provide the original signed contract associated with the disputed accounts. 

They did not disclose the method of verification, as required by law. 
They failed to remove or correct inaccurate information within the legally mandated timeframe.

Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ), Florida Statutes 559.72 ( 6 ) ) Experian and Equifax continue to report incorrect personal information, including fraudulent addresses, names, and accounts.

Despite my disputes, they failed to ensure the accuracy of the information they report.

Failure to Provide Full Investigation Details ( 15 U.S.C. 1681g, Florida Statutes 559.72 ( 9 ) ) They refused to disclose details of their reinvestigation process, including the names of the furnishers who verified the accounts. 

They failed to provide a detailed summary of the findings of their investigation.

Failure to Remove Unauthorized Inquiries ( 15 U.S.C. 1681b, Florida Statutes 559.72 ( 5 ) ) Experian and Equifax have reported unauthorized hard inquiries on my credit file without permissible purpose.

They failed to provide documentation proving that these inquiries were made with my explicit authorization.

Failure to Remove Fraudulent Accounts ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), Florida Statutes 559.72 ( 9 ) ) Both agencies failed to remove the fraudulent accounts despite being unable to verify them with legally valid documentation.

Florida law grants credit bureaus 15 days to provide requested verification details. Under Florida Statutes 501.005 ( 7 ), failure to do so mandates the deletion of unverifiable information.

Unfair and Deceptive Practices ( Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), Florida Statutes 501.201 et seq. ) By continuing to report unverifiable and inaccurate information, Experian and Equifax are engaging in unfair and deceptive practices that harm consumers. 

Fraudulent Accounts and Incorrect Personal Information Fraudulent Account : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Issue : Fraudulent and in violation of federal and state laws. 

Laws Violated : 15 U.S.C. 1681, 1692g, FCRA 607 ( b ), Florida Statutes 559.72 ( 9 ). 

Unauthorized Inquiries : XXXX XXXX ( No permissible purpose under 15 U.S.C. 1681b and Florida Statutes 559.72 ( 5 ) ).

Incorrect Personal Information : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Names : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Incorrect Employers : Retired Across The XXXX XXXX XXXX XXXX XXXX these clear violations, I formally request the CFPB to take immediate action to hold Experian and Equifax accountable for their noncompliance with federal and Florida laws. Specifically, I demand that the CFPB : Enforce the immediate removal and blocking of the following from my credit report : All fraudulent accounts that Experian and Equifax failed to verify. 

All unauthorized inquiries. 

All incorrect names, addresses, and personal identifiers associated with fraud.

Compel Experian and Equifax to provide : Full verification documentation, including signed agreements proving I authorized the disputed accounts.

A detailed breakdown of the reinvestigation conducted.

The names and contact details of all furnishers who verified the fraudulent accounts.

Impose appropriate penalties and sanctions against Experian and Equifax for their failure to comply with FCRA and Florida consumer protection laws.

Monitor Experian and Equifax for ongoing compliance to ensure they do not continue their pattern of unlawful reporting. 
Conclusion The actions ( or lack thereof ) taken by Experian and Equifax have caused significant harm to my financial standing and violate my rights under federal and Florida laws. I urge the CFPB to take strong and immediate enforcement action to ensure compliance and protect consumer rights.

I expect a written response detailing the actions the CFPB will take against Experian and Equifax regarding these violations. Please send all correspondence regarding this complaint to the address listed above. 

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