Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Failure to Update Personal Information and Investigate Identity Theft Violations of FCRA 1681i, 1681c-2, 1681b ( g ), and 1681s-2 Agency/Company : Equifax, Experian, TransUnion Issue Type : Incorrect personal information / Identity theft / Inaccurate reporting Complaint Type : Credit Reporting Consumer reporting agencies ( Experian , TransUnion, Equifax ) ________________________________________ Complaint Summary : I am filing this complaint to formally report that the nationwide credit reporting agenciesEquifax, Experian, and TransUnionhave failed to update or remove inaccurate personal information from my credit report, despite multiple prior requests. I have also discovered discrepancies across my credit files that raise serious concerns about possible identity theft. I have submitted the required documentation, including an FTC Identity Theft Report and a police report, yet the agencies have not corrected or removed the following : ________________________________________ 1. Inaccurate and Outdated Personal Information Name : Not displaying consistently across reports.

Addresses : Old and incorrect addresses remain listed, despite clear instruction to remove them. These addresses are linked to identity theft incidents.

Phone Numbers : Several outdated numbers are still listed, which are no longer in use.

Social Security Number & Date of Birth : Not adequately protected or redacted.

Employer Information : Inaccurate and outdated employer listings remain.

________________________________________ 2. Discrepancies Across Credit Bureaus Indicating Identity Theft Account numbers differ between bureaus.

Payment statuses are reported inconsistently.

Addresses and employer information vary widely between agencies.

Fraudulent accounts and inquiries are still being reported, with no valid method of verification provided.

________________________________________ 3. Failure to Investigate and Protect My Data After Major Data Breaches I have been affected by several high-profile data breaches, including : The Equifax breach XXXX XXXX ) exposed SSNs, DOBs, and addresses. 
The XXXX breach ( XXXX ) leaked hundreds of millions of personal records. 
The Experian breach ( XXXX ) involved SSNs and credit information. 
These breaches likely contributed to fraudulent accounts and misuse of my identity. I have submitted formal requests for investigation and account blocking, but all three credit bureaus have failed to : Properly investigate.

Block fraudulent data.

Provide methods of verification.

Remove clearly inaccurate personal information.

________________________________________ 4. Legal Violations Cited : 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide the method of verification ( MOV ).

15 U.S.C. 1681c-2 : Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) : Failure to safeguard consumer data after known breaches.

15 U.S.C. 1681s-2 : Furnishing inaccurate information despite being notified.

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