Consumer complaint received 2025-03-03 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: VA

Complaint narrative:
I am formally disputing multiple inaccurate and fraudulent accounts appearing on my credit reports from Equifax, Experian, and TransUnion. My personally identifiable information ( PII ) was compromised in the Equifax Data Breach, and as a result, I have been subjected to unauthorized accounts, erroneous reporting, and FCRA violations. 

The credit bureaus have failed to properly investigate my disputes and continue to report inaccurate and unverifiable information in violation of Fair Credit Reporting Act ( FCRA ) 605B, 611, 623, 616, and 617. Additionally, the recent CFPB enforcement action against Experian and Equifax has confirmed that credit bureaus must remove unverifiable information when challenged. 

Disputed Accounts & FCRA Violations I am disputing the following accounts as fraudulent, inaccurate, or unverifiable : XXXX. XXXX XXXX Account Number : XXXX FCRA Violation : 605B ( 15 U.S.C. 1681c-2 ) Identity theft accounts must be blocked within four business days. 
Issue : This charge-off resulted from unauthorized transactions linked to the Equifax breach . 
XXXX. XXXX XXXX Account Number : XXXX FCRA Violation : 623 ( a ) ( 3 ) Creditors must not report inaccurate information. 
Issue : The charge-off date is inconsistent across bureaus, and the balance is incorrect. 
XXXX. XXXX  Account Number : XXXX FCRA Violation : 611 ( a ) ( 1 ) ( A ) Bureaus must conduct a reasonable investigation. 
Issue : This account was previously settled, but remains listed as a charge-off. 
XXXX. XXXX XXXX Account Number : XXXX FCRA Violation : 605 ( a ) ( 5 ) Bureaus can not report duplicate negative accounts. 
Issue : This charge-off is reported twice, artificially lowering my credit score. 
XXXX. XXXX  Account Number : XXXX FCRA Violation : 605B ( a ) ( 5 ) Credit bureaus must permanently remove fraudulent collection accounts. 
Issue : Unauthorized debt collection activity due to identity theft. 
XXXX. XXXX Account XXXX : XXXX FCRA Violation : 623 ( b ) Furnishers must correct or delete inaccurate data. 
Issue : The balance is incorrect, and the account was not marked as disputed. 
XXXX. XXXX XXXX  Account Number : XXXX FCRA Violation : 611 ( a ) ( 5 ) ( A ) Bureaus must remove unverifiable information.

Issue : A debt buyer is reporting an account with no original contract or verification. 
XXXX. XXXX XXXX Account Number : XXXX FCRA Violation : 605B Bureaus must permanently block fraudulent accounts. 
Issue : This account was illegally re-aged to appear newer than it actually is. 
XXXX. XXXX XXXX XXXX Account Number : XXXX FCRA Violation : XXXX Willful noncompliance exposes the bureau to statutory damages. 
Issue : Account was closed in good standing but was later marked as charged-off. 
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX FCRA Violation : 605 ( a ) ( 4 ) Foreclosures must be accurately reported. 
Issue : This mortgage account was previously settled but is still being reported as delinquent. 
XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX FCRA Violation : 611 ( a ) ( 1 ) ( A ) Bureaus must verify all disputed accounts. 
Issue : This is a duplicate mortgage reporting error affecting my credit file. 
XXXX. XXXX XXXX  Account Number : XXXX FCRA Violation : 605 ( c ) Negative items can not be re-aged. 
Issue : The delinquency date was manipulated to extend its reporting period. 
XXXX. XXXX XXXX Account Number : XXXX FCRA Violation : 623 ( a ) ( 3 ) Creditors can not report misleading balances. 
Issue : This account was paid in full in XXXX, but remains listed as a charge-off. 
XXXX. XXXX  Account Number : XXXX FCRA Violation : 605B Identity theft accounts must be permanently removed.

Issue : Fraudulent charges linked to the Equifax breach remain on my report. 
XXXX. XXXX Account Number : XXXX FCRA Violation : 611 ( a ) ( 5 ) ( A ) Bureaus must delete unverifiable debts. 
Issue : A third-party debt buyer is reporting without providing the original agreement.

I have attempted to resolve these inaccuracies directly with Equifax, Experian, and TransUnion, but they have failed to correct these errors despite multiple disputes.

If these violations are not immediately corrected, I will take the follow
ing actions : 1. File additional regulatory complaints with the FTC, State Attorney General, and Department of Justice.

2. Initiate legal action for FCRA violations under 616 and 617, seeking damages.

3. Publicly escalate the matter to consumer protection advocates and legal representatives.

I expect a formal response within the required 15-day timeframe, as per CFPB policy. 

Thank you for your time and assistance in ensuring FCRA compliance and consumer rights protection.

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