Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint because the credit reporting agenciesTransUnion, Experian, and Equifaxare reporting multiple charge-offs, collections, and inaccurate addresses that can not be verified, and they have failed to comply with their federal reinvestigation obligations after I disputed the information.

I sent a formal dispute notifying all three bureau
s that my personal identifying information has been part of previously documented data breaches impacting the bureaus, which means the identifiers they rely on ( SSN fragments, address history, linked metadata, and identity-matching data ) are compromised and unusable for verification. 

Under FCRA 1681e ( b ), the credit bureaus must ensure maximum possible accuracy. It is not possible to maintain maximum accuracy when the underlying identity data used to match and verify accounts is breached and corrupted. The bureaus are continuing to report negative information even though the identifiers used for matching have been compromised.

I also notified them that under FCRA 1681c-2 ( 605B ), any information tied to compromised personal identifiers must be blocked, because neither the bureaus nor the furnishers can use breached identifiers to establish ownership, responsibility, or accuracy.

Despite my written dispute, the bureaus did not provide a legally compliant Method of Verification under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). I did not receive the required details such as : What documents were reviewed Who was contacted Whether the investigation was manual or automated What exact verification procedures were used Any chain-of-title or source documentation Instead, I received generic, automated responses that do not constitute a reasonable investigation as required by the FCRA and the CFPBs Reasonable Investigation standards.

Additionally, I disputed multiple inaccurate, unauthorized addresses that do not belong to me. These addresses are still present on my credit report despite my request for deletion. This constitutes a failure to maintain accurate consumer file information.

The bureaus are continuing to report the following negative items even though they are tied to compromised identifiers and remain unverified. All accounts listed in my attached documents.

The bureaus also failed to remove multiple incorrect addresses, even though the FCRA requires them to maintain accurate identification information and remove unverifiable personal data.

This means the bureaus are : Reporting information they can not verify Failing to conduct a lawful reinvestigation Using automated e-OSCAR responses instead of reviewing documentation Failing to remove inaccurate personal identifiers Continuing to publish accounts tied to breached and contaminated identity data I am asking the CFPB to intervene because the credit bureaus are refusing to follow the federally mandated reinvestigation and accuracy requirements under the FCRA, and they are reporting data they can not legally verify.

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