Consumer complaint received 2025-05-22 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: NV

Complaint narrative:
I am requesting the Consumer Financial Protection Bureau ( CFPB ) to immediately take enforcement action against Equifax, Experian, and TransUnion for multiple and repeated violations of federal law. I submitted written disputes, identity theft documentation, and supporting materials over 30 days ago ( date of the letter ), and they failed to comply with statutory duties under the Fair Credit Reporting Act ( FCRA ) and related federal laws. This delay constitutes additional violations. Violations Committed : 15 U.S.C. 1681, FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 1 ) ( A ) : Failure to investigate disputes within 30 days FCRA 611 ( a ) ( 6 ) : Failure to reinvestigate and issue findings 15 U.S.C. 1692g : Failure to notify consumer of alleged debts XXXX XXXX ( XXXX XXXX. XXXX ) : Failure to safeguard consumer information 18 U.S.C. 1028 : Identity theft and misuse of personal data 15 U.S.C. 1681g ( e ) : Failure to provide victim assistance ( fraud alerts, recovery tools ) Metro2 / CDIA Violations : Noncompliance with industry reporting standards XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Violations related to identity theft and consumer fraud XXXX. XXXX XXXX Account Number : XXXX * * * * Laws Violated : o FCRA 15 U.S.C. 1681 o FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 6 ) o Gramm-Leach-Bliley Act, 15 U.S.C. XXXX o Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 o FTC Identity Theft Support, 15 U.S.C. 1681g ( e ) o XXXX XXXX : XXXX XXXX, XXXX XXXX o Metro 2 & CDIA Standards Request : Immediate removal and permanent blocking of this account. 
XXXX. XXXX XXXX Account Number : XXXX * * * * Laws Violated : o FCRA 15 U.S.C. 1681 o FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 6 ) o Gramm-Leach-Bliley Act, 15 U.S.C. XXXX o Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 o FTC Identity Theft Support, 15 U.S.C. 1681g ( e ) o XXXX XXXX : XXXX XXXX, XXXX XXXX o Metro 2 & CDIA Standards Request : Immediate removal and permanent blocking of this account Incorrect Addresses Please remove the following addresses, which are not associated with me : XXXXXXXX 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  Incorrect Employers The following employer entries are inaccurate and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These names are inaccurate and must be permanently deleted from my credit report Hard Inquiries in Dispute : XXXX XXXX Date of Inquiry 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 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 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 late reported XX/XX/XXXX Requested Relief from the CFPB : Enforce immediate removal and blocking of all fraudulent accounts listed above. 
Compel deletion of all unauthorized hard inquiries. 
Mandate removal of inaccurate personal information, including addresses and employers. 
Require written confirmation from all three credit bureaus, including updated credit reports. 
Ensure that identity theft protections ( e.g., fraud alerts ) are implemented as required by law. 
Initiate investigation and sanctions for failure to comply with FCRA deadlines.

Fine or discipline bureaus for their willful neglect of legal obligations.

Supporting Documentation Previously Submitted to Bureaus : Government-issued photo ID Social Security card Police report documenting identity theft Proof of current address Original dispute letters dated XX/XX/XXXX Declaration : I affirm under penalty of perjury that the statements made in this complaint are accurate and true to the best of my knowledge. I respectfully request urgent enforcement by the CFPB to protect my rights and remove damaging, false, and fraudulent information from my credit reports.

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