Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
Subject : Formal Complaint Against Experian, Equifax, and TransUnion for Willful Violations of the FCRA and FDCPA Dear CFPB Representative, I am writing to formally lodge a legal complaint against the XXXX nationwide consumer reporting agenciesExperian, TransUnion, and Equifaxfor multiple and ongoing violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).

Despite my repeated efforts to correct and dispute the inaccurate and fraudulent information being reported in my consumer credit files, these agencies have failed to conduct reasonable investigations, continue to report unverifiable data, and knowingly allow false information to harm my credit reputation and financial wellbeing. 

FCRA Violations by Experian : Fraudulent Late Payments Reported XXXX XXXX XXXX  XXXX Account # : XXXX : FRAUD XXXX XXXX XXXX Account # : XXXX : FRAUD XXXX XXXX XXXX Account # : XXXX : XXXX XXXX XXXX XXXX Account # : XXXX : FRAUD XXXX XXXX  Account # : XXXX Despite notifying Experian of fraudulent reporting and inconsistencies, these accounts remain unchanged. FCRA 611 requires a reasonable reinvestigation and deletion of unverifiable items within XXXX  days, which Experian has failed to fulfill. 

Fraudulent Collection : XXXX XXXX Account # : XXXX {$730.00} : FRAUD This account was never validated by the reporting debt collector as required by FDCPA 809 ( b ). Yet Experian continues to report this debt, which is in direct violation of both the FCRA and FDCPA. 

FCRA Violations by TransUnion : Inaccurate Personal Information : Also Known As names and outdated addresses remain on file, even after multiple requests for removal and corrections per FCRA 609 ( c ) and 610.

Fraudulent Collection : XXXX XXXX Account # : XXXX {$730.00} : FRAUD Continues to be reported despite being disputed and unvalidated. 

Fraudulent Hard Inquiries : Multiple unauthorized hard inquiries appear on my TransUnion file. Under FCRA 604, a permissible purpose must exist for pulling a consumer 's report. These inquiries were made without my consent or any initiated business transaction. 

Fraudulent Late Payments : XXXX  XXXX XXXX  Account # : XXXX : XXXX XXXX XXXX  Account # : XXXX : These are not only fraudulent, but also remain on file after disputes with no verification from the original creditor. 


FCRA Violations by Equifax : Inaccurate Personal Information : Outdated name variations and addresses remain on my credit report despite requests to update them. 

Fraudulent Collection : XXXX XXXX Account # : XXXX {$730.00} Same fraudulent collection account, not validated, still being reported. 

Fraudulent Late Payments : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX # : XXXX No verified payment history provided. Disputed and ignored. 
Summary of Violations : FCRA 611 Failure to reinvestigate disputes within XXXX  days FCRA 609 ( a ) ( 1 ) Failure to provide complete file and sources of information FCRA 604 ( a ) ( 3 ) Reporting unauthorized credit inquiries FCRA 605 ( a ) Reporting obsolete or outdated negative information FDCPA 809 ( b ) Failure to validate disputed debt before continued reporting FCRA 616 & 617 Willful noncompliance and civil liability Relief Requested from the CFPB : I respectfully request that the CFPB investigate these blatant and ongoing violations. I am asking that the following actions be taken : Compel Experian, Equifax, and TransUnion to immediately delete the following : Fraudulent late payment accounts XXXX XXXX collection account ( # XXXX ) Inaccurate and outdated personal information Fraudulent hard inquiries Impose penalties and seek remedial action against these agencies for their willful and negligent violations of federal law. 
Ensure my consumer rights are enforced and protected under federal statutes. 
Thank you for your time, and I trust you will take this complaint seriously. I am prepared to supply documentation, credit reports, dispute records, and identity verification upon request to aid your investigation.

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