Consumer complaint received 2025-03-20 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 filing this formal complaint to request immediate enforcement action against Equifax, Experian, and TransUnion for their ongoing violations of federal and state laws concerning fraudulent accounts, unauthorized inquiries, and incorrect addresses on my credit reports. Despite multiple formal disputes exceeding the legally mandated 30-day investigation period under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, these issues remain unresolved. 

The following violations have been committed by Equifax, Experian, and TransUnion : Failure to Notify : Creditors did not provide written notification within five days as required under 15 U.S.C. 1692g, rendering the reported accounts illegitimate.

Failure to Ensure Accuracy : Credit bureaus violated FCRA 607 ( b ) by reporting discrepancies in balances, credit limits, opening dates, and payment histories across bureaus.

Failure to Investigate : Violation of FCRA 611 ( a ) ( 1 ) ( A ) by failing to complete investigations within the mandated 30-day timeframe.

Failure to Reinvestigate : Noncompliance with FCRA 611 ( a ) ( 6 ) for not adequately reinvestigating disputed resolutions.

Failure to Protect Personal Information : Breach of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ) concerning safeguarding personal data.

Ignoring Identity Theft Protections : Breach of the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), criminalizing identity theft and unauthorized account creation.

Failure to Provide Identity Theft Resources : Neglecting FTC guidelines ( 15 U.S.C. 1681g ( e ) ) mandating support and fraud alerts for identity theft victims.

Violation of Nevada State Law : Violations of Nevada Revised Statutes ( NRS ) XXXX, making identity theft a criminal offense. 

The following fraudulent accounts and inquiries must be immediately removed and blocked from my credit reports : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Others as applicable Incorrect Address XXXX XXXX XXXX XXXX, ( This address is fraudulent and not associated with me. ) Immediate Actions Demanded : Enforce Equifax, Experian, and TransUnion to immediately remove and permanently block the fraudulent accounts, unauthorized inquiries, and incorrect addresses. 

Provide written confirmation of the removal and blockage of these inaccuracies. 

Mandate a thorough investigation by the bureaus into how these inaccuracies and fraudulent entries occurred, providing me detailed written findings. 

Ensure bureaus implement stringent measures to prevent future occurrences and comply strictly with federal and state regulations. 

Supporting documentation, including government-issued identification, Social Security card , police reports, and proof of address, have been provided to each bureau.

Thank you for your immediate attention and enforcement action on this critical matter. 

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