Consumer complaint received 2025-06-24 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: NV

Complaint narrative:
I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) immediately enforce corrective action against Equifax, Experian, and TransUnion for persistent and repeated violations of federal law. Over XXXX days ago, I submitted detailed written disputes, comprehensive identity theft documentation, and supporting evidence. The bureaus have unlawfully failed to comply with their statutory obligations under the Fair Credit Reporting Act ( FCRA ) and associated federal laws, constituting further violations. 

Violations Committed by THE BUREAUS : 15 U.S.C. 1681 ( FCRA 607 ( b ) ) : Failure to maintain maximum possible accuracy. 

FCRA 611 ( a ) ( 1 ) ( A ) : Failure to investigate consumer disputes within the statutory XXXX timeframe. 

FCRA 611 ( a ) ( 6 ) : Failure to conduct reinvestigations and provide findings. 

15 U.S.C. 1692g : Failure to notify the consumer of alleged debts within the required timeframe.

Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) : Failure to adequately safeguard consumer personal information.

18 U.S.C. 1028 : Identity theft and unauthorized misuse of personal data.

15 U.S.C. 1681g ( e ) : Failure to provide adequate victim assistance, fraud alerts, and recovery tools. 

XXXX Violations : Noncompliance with established industry reporting standards. 

Nevada Deceptive Trade Practices Act ( XXXX XXXX ; XXXX XXXX ) : XXXX XXXX ( XXXX ) : Knowingly misrepresenting the legal rights, obligations, or remedies of a party. 

XXXX XXXX ( XXXX ) : Failing to disclose a material fact in connection with a consumer transaction. 

XXXX XXXX ( XXXX ) : Violating state or federal law in the course of business. 

FDCPA 15 U.S.C. 1692g ( b ) : Failure to respond to validation requests within 30 days. 

Fraudulent and Inaccurate Accounts Requiring Immediate Removal and Permanent Blocking : XXXX. XXXX Account Number : XXXX Violations : 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 ) XXXX XXXX : Reporting format violations XXXX Law : XXXX XXXX ( XXXX XXXX, XXXX XXXX ( XXXX XXXX, XXXX XXXX ( XXXX XXXX DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXX. BANKRUPTCY : XXXX Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d XXXX  : 6801 ( b ), 6802 ( a ) XXXX XXXX : Reporting format violations XXXX Law : XXXX XXXX ( XXXX XXXX, XXXX XXXX ( XXXX XXXX, XXXX XXXX ( XXXX XXXX This bankruptcy account reported solely by TransUnion shows several violations and raises serious concerns under both federal law and XXXX XXXXXXXX XXXX. First, neither Experian nor Equifax report this bankruptcy, which suggests a lack of consistency across credit bureaus. If the bankruptcy was dismissed and no longer valid, TransUnion 's continued reporting while the other bureaus exclude it creates an inaccurate portrayal of the consumers financial history, violating the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( b ), which requires that information be complete and accurate. The consumers bankruptcy was dismissednot dischargedon XX/XX/2021, yet the mere presence of a dismissed bankruptcy on a credit report after that closing date is highly questionable. According to the Federal Trade Commission and multiple court precedents, dismissed bankruptcies must be removed if they are misleading or imply unresolved debt. Furthermore, under Nevada Revised Statutes ( NRS ) XXXX, credit reporting agencies must ensure maximum possible accuracy, and under XXXX XXXX, consumers have the right to dispute inaccurate or obsolete information. XXXX failure to remove this dismissed Chapter XXXX Bankruptcy XXXX constitute continued defamation of credit and negligent reporting. The account lists {$0.00} in asset amount, liability, and exempt amount, yet still reflects a full bankruptcy entry, which misrepresents the factual context of the court case. The continued reporting of this dismissed bankruptcy may cause unjust harm to the consumers creditworthiness and may violate both federal and Nevada consumer protection laws. 

Fraudulent Inquiries to Remove Entities : XXXXXXXX XXXX XXXXXXXX Unfamiliar or Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX Incorrect Employers XXXX XXXX, XXXX Incorrect Names : XXXX XXXX, XXXX XXXX Requested Relief from the CFPB : Immediate enforcement of removal and permanent blocking of all fraudulent and inaccurate accounts listed. 
Immediate deletion of all unauthorized hard inquiries. 
Correction of all inaccurate personal information, including addresses, employers, and names. 
Provision of updated credit reports from all three bureaus confirming these corrections. 
Implementation of statutory identity theft protections, including fraud alerts. 
Comprehensive investigation and imposition of sanctions for failure to comply with FCRA and FDCPA mandated deadlines. 
Imposition of appropriate fines or disciplinary actions against the bureaus for willful neglect of their legal obligations. 
Supporting Documentation Previously Submitted : Government-issued photo identification Social Security card Official police report documenting identity theft Proof of current residence Original dispute letters TO THE CREDITORS Declaration : I hereby affirm, under penalty of perjury, that all statements provided herein are truthful and accurate to the best of my knowledge. Due to the significant harm caused by the illegal actions of these bureaus and creditors, I request urgent intervention from the CFPB to enforce compliance with federal law, protect my consumer rights, and restore the integrity of my credit report.

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