Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Formal Complaint Against Equifax, TransUnion, and Experian for Violations of the Fair Credit Reporting Act ( FCRA ), Including Failure to Maintain Accurate Personal Information Leading to Mixed Files and Unverifiable Negative Items Demand for Immediate Removal of All Negative Impacts Account Number ( s ) : XXXX / XXXX ( XXXX XXXX ), XXXX  ( XXXX XXXX XXXX ), XXXX / XXXX  / XXXX  ( XXXX XXXX XXXXXXXX XXXX XXXX ), XXXX / XXXX ( XXXX XXXX XXXX XXXX XXXX  ), XXXX / XXXX  / XXXX  ( XXXX XXXXXXXX XXXX XXXX XXXX ), XXXX  ( XXXX XXXX XXXX ), XXXX  ( XXXX XXXXXXXX XXXX XXXX ) Dear CFPB Complaint Division : I am filing this formal complaint against Equifax Information Services LLC, TransUnion LLC, and Experian Information Solutions , Inc. ( the Credit Bureaus ) for systemic violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. These include failures to ensure maximum accuracy under 15 U.S.C. 1681e ( b ), inadequate investigations under 15 U.S.C. 1681i, and permitting unverified data under 15 U.S.C. 1681s-2. Erroneous name and address information has created mixed files, incorporating negative items that do not belong to me, resulting in denied credit, higher costs, and distress. 
My legal name is XXXX XXXX XXXX ( drivers license attached ), yet the Bureaus report variations like XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX My sole address is XXXX XXXX XXXX, XXXX XXXX, Florida XXXX ( utility bills attached ), but reports include outdated XXXX XXXX. These errors have led to unverifiable negatives : XXXX XXXX  ( {$8600.00}, Account # XXXX / XXXX ), XXXX XXXX XXXX ( {$13000.00}, Account # XXXX  ), XXXX XXXX XXXX ( $ XXXX, including Credit Card Account # XXXX / XXXX  / XXXX, Vehicle Loan Account # XXXX / XXXX, and Credit Card Account XXXX XXXX / XXXX / XXXX  ), XXXXXXXX XXXX XXXX ( {$7200.00}, Account # XXXX  ), and XXXX XXXX XXXX {$98.00}, Account # XXXX  ). Demand their deletion. Furthermore, the Bureaus have failed to provide method of verification under 611 ( a ) ( 7 ) or original signed contracts under 609 ( a ) ( 1 ) ( A ), relying on automated systems like e-OSCAR, which studies show contribute to persistent errors. 
The FCRAs protections include : Accuracy Requirement ( 15 U.S.C. 1681e ( b ) ) : Reasonable procedures for accuracy.

Reinvestigation Duty ( 15 U.S.C. 1681i ) : Investigation and deletion of unverifiable data.

Furnisher Responsibilities ( 15 U.S.C. 1681s-2 ) : No unverified reporting.

Disclosure Requirements ( 15 U.S.C. 1681g ) : Right to all information in the file.

Method of Verification ( 15 U.S.C. 1681i ( a ) ( 7 ) ) : Description of verification procedures.

Willful Noncompliance ( 15 U.S.C. 1681n ) : Statutory and punitive damages.

Negligent Noncompliance ( 15 U.S.C. 1681o ) : Actual damages. 
Investigate, compel corrections, impose penalties, and award damages. Non-resolution within 30 days will lead to litigation. 
Sincerely, XXXX XXXX XXXX Attachments : Florida Drivers License Utility Bills Credit Reports ( dated XX/XX/year>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