Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a formal complaint against Experian, XXXX, and XXXX  for gross mishandling of my personal data, failure to protect my identity, and repeated violations of the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act, and applicable state consumer protection laws. 

Despite repeated disputes and formal written requests, all three credit bureaus continue to report fraudulent information on my credit file, including : Fraudulent credit cards, Unauthorized flexible spending accounts, and A fraudulent mortgage, which is an extremely serious concern. 

These accounts are the result of identity theft, and I have submitted dispute letters and supporting documentation to all three credit bureaus. 

Key Issues : Unauthorized and Fraudulent Phone Number : Phone number XXXX is listed on my credit report. Requested to be removed. 

I did not authorize or provide this number, and it is linked to identity theft. 
Despite repeated disputes, all three bureaus continue to report it. 

Failure to Investigate and Correct Disputed Information : All three bureaus have failed to properly investigate or provide documentation for their continued reporting of fraudulent accounts and data. 

Violates 15 U.S. Code 1681i failure to conduct a reasonable reinvestigation. 

Lack of Proper Fraud Alerts and Continued Access by Lenders : I placed fraud alerts and credit freezes on my files in XXXX XXXX. 

Despite this, companies have continued to access and pull my credit reports beyond XX/XX/year>. 

This is a clear violation of my consumer rights under : 15 U.S. Code 1681c-1 ( fraud alerts ), and 15 U.S. Code 1681c-2 ( duty to block fraudulent information ). 

Failure to Protect My Information and Notify Me of Data Breaches : Experian and XXXX  were involved in data breaches involving my information. 

Experian failed to notify me when the breach occurred. 

XXXX  only notified me in late XX/XX/year>. 

I am unsure whether XXXX  has also compromised my data and request full disclosure. 

These failures violate obligations under the Gramm-Leach-Bliley Act and potentially state data breach notification laws. 

Improper Commercial Classification of My Home and Listing of Unknown Commercial Addresses : My personal residential home has been fraudulently listed as commercial property. 

My credit report contains addresses to commercial buildings that I have never been affiliated with in business or listed on any application. 

All three bureaus have ignored my request to correct these serious errors, which affect my eligibility for credit and services. 

Account Security and Personal Information Mismanagement : I have asked all three agencies to : Delete all prior emails, passwords, and unauthorized phone numbers, Reset my accounts, and Implement enhanced security measures. 

None of these requests have been properly acknowledged or acted upon.

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