Consumer complaint received 2025-07-11 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, XXXX XXXX, am formally demanding immediate corrective action from Experian in regard to multiple and egregious violations of federal and Florida state consumer protection laws. These include the unlawful reporting and reinsertion of fraudulent accounts, unauthorized inquiries, inaccurate addresses, and unverifiable personal information. Experian has failed to comply with its statutory duties under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act ( GLBA ), Metro 2 Compliance Guidelines , and the Florida Deceptive and Un

fair Trade Practices Act ( FDUTPA ). Summary of Violations and Applicable Law Codes : 1. Failure to Notify 15 U.S.C. 1692g ( a ) : You failed to ensure that furnishers issued mandatory validation notices within five day
s of reporting debts.

2. Failure to Ensure Accuracy 15 U.S.C. 1681e ( b ) : You published mismatched account numbers, inconsistent balances, and unverifiable data in violation of your duty to report maximum possible accuracy.

3. Failure to Investigate 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Experian failed to perform timely, good-faith investigations into multiple disputes concerning fraudulent information.

4. Failure to Reinvestigate 15 U.S.C. 1681i ( a ) ( 6 ) : Experian did not reinvestigate inaccurate results after my continued disputes, as legally required.

5. Failure to Validate Debt 15 U.S.C. 1692g ( b ) : You continued reporting debt without providing validation after I submitted a dispute.

6. Failure to Disclose 15 U.S.C. 1681g : You failed to provide full disclosure of documents used to verify disputed items. 

7. Improper Reinsertion 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Deleted or suppressed data was reinserted without the required certification or notice.

8. Privacy Violations GLBA 6801 ( b ), 6802 ( a ) : You failed to safeguard private financial information under federal data privacy standards.

9. Identity Theft Protections Ignored 15 U.S.C. 1681g ( e ) : Experian neglected to place mandatory fraud alerts or identity theft protections on my file.

10. Metro 2 Compliance Violations : Inaccurate and inconsistent payment history Invalid reporting statuses Unverified balances Incorrect account numbers 11. Florida State Consumer Law Violations ( FDUTPA ) : Fla. Stat. 501.204 ( 1 ) : Reporting unverifiable and fraudulent data Fla. Stat. 501.203 ( 3 ) ( c ) : Misrepresentation of account legitimacy Fla. Stat. 501.976 ( 11 ) : Refusing to remove known fraudulent information after dispute Specific Disputed Account : XX/XX/XXXX Violations of : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 Compliance Violations FDUTPA 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) Fraudulent Inquiries and Inaccurate Information : XXXX & XXXX XXXX XXXX ( 2 Inquiries ) Unauthorized Addresses Being Reported : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXXXX/XX/XXXXXX/XX/XXXX XXXX FL XXXX Legal Demands for Immediate Enforcement and Resolution : Immediate deletion and permanent blockage of all disputed accounts, inquiries, and fraudulent addresses pursuant to FCRA 1681c-2. 

Written confirmation of removal actions and the issuance of an updated credit report. 

Implementation of a mandatory fraud alert under FCRA 1681g ( e ).

Complete reinvestigation results, including verification method and copies of all documents used.

Prevention of future reinsertion of deleted items as required by FCRA 1681i ( a ) ( 5 ) ( B ). 

If Experian fails to comply, I will escalate this matter through formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Florida Attorney Generals Office, and pursue litigation under FCRA 1681n and 1681o for statutory and punitive damages. 

This is a final demand for Experian to act in accordance with its legal obligations. 

Sincerely,

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