Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a formal complaint against the Tranunion and Experian for their ongoing failure to conduct a reasonable investigation as required by federal law concerning fraudulent accounts and negative tradelines reported by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. These companies continue to report derogatory information on my credit profile despite clear documentation and identity theft reports filed with federal agencies. 
Summary of the Complaint : Failure to Conduct a Reasonable Investigation : Eq Both credit bureas have failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information. Despite multiple disputes, both credit bureaus have continued to allow fraudulent accounts to remain on my credit report. 

Failure to Acknowledge Identity Theft Reports : I have submitted FTC Identity Theft Reports, police reports, and documentation consistent with FCRA 605B, which obligates CRAs to block fraudulent information within 4 business days upon receipt of : A valid identity theft report Proof of identity A statement from the consumer identifying the fraudulent items both credit bureaus is falsely claiming they never received the identity theft report, even though it was properly filed and delivered. This is a violation of 15 U.S.C. 1681c-2 ( FCRA 605B ). Violation of Consumer Protection Laws : XXXX XXXX failure to act constitutes : Negligence in protecting my personal and business information Failure to protect consumer data under state and federal breach notification laws Obstruction of consumer rights under FCRA and potentially the Consumer Financial Protection Act ( CFPA ) of 2010 Ongoing Harms Due to Data Breaches : I have been a confirmed victim of the following data breaches XXXX XXXX XXXXXXXX breach XXXX XXXX breach XXXX XXXX XXXX XXXX These breaches have led to my personal and business identity being used to open unauthorized accounts. Despite knowledge of this exposure, both credit bureaus have continued to allow harmful reporting from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX all without validating whether the debts are legitimate, if companies have legal standing to collect, or linked to a verified identity theft claim. Violation of IRS and FTC Filings : I have also filed identity theft claims with the IRS for both my : Personal identity : XXXX XXXX ( SSN ending in XXXX ) Business : XXXX XXXX XXXX XXXX XXXX ( ending in XXXX ) credit bureaus have failed to coordinate or acknowledge the federal filings from either the FTC or the IRS, further compounding the damage. Failure to Provide Investigation Results : both credit bureaus have failed to supply any documentation, detailed findings, or outcome of the disputes. This is another violation of FCRA 15 U.S.C. 1681i ( a ) ( 6 ) which requires the CRA to provide written results of the reinvestigation and a copy of the consumer report upon completion.

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