Consumer complaint received 2025-11-11 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: TX

Complaint narrative:
This is my second formal complaint against Experian, TransUnion, and Equifax for their continued failure to remove fraudulent accounts and unauthorized inquiries from my credit report. Despite my previous dispute, including a notarized affidavit, the credit bureaus have failed to conduct a proper investigation, instead auto-verifying these accounts in clear violation of the Fair Credit Reporting Act ( FCRA ). 

Fraudulent Accounts to Be Deleted Immediately : XXXX XXXX XXXX # XXXX ( Experian ) ; XXXX XXXX XXXX XXXX # XXXX ( Transunion, Experian, Equifax XXXX ; XXXXXXXX XXXX XXXX  Acct. # XXXX ( Transunion, Equifax ) XXXX XXXX XXXX Acct. XXXX XXXX XXXX Transunion ) Inquiries to Be Deleted Immediately : XXXX XXXX XXXXXX/XX/XXXX ( Experian, Equifax ) ; XXXX XXXX XXXX XX/XX/XXXX ( Equifax XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ( Experian, Equifax XXXX ; XXXX XXXX XX/XX/XXXX ( Equifax ) ; XXXX XXXX XXXX XX/XX/XXXX XXXX Equifax ) ; XXXXXXXX XXXX XXXX XX/XX/XXXX ( Equifax ) ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian, Equifax XXXX ; XXXX XXXX XXXX XX/XX/XXXX ( Experian ) ; XXXX XXXX XXXX XX/XX/XXXX ( Experian ) ; VIVA XXXX XXXX XX/XX/XXXX ( Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Equifax XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ( Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Transunion ) ; XXXX XXXXXX/XX/XXXX ( Transunion ) ; XXXX XX/XX/XXXX ( Transunion XXXX ; XXXX XXXX  XX/XX/XXXX ( Transunion ) Legal Violations & Required Action 1. Violation of FCRA 1681i Failure to Conduct a Proper Investigation Credit bureaus are required to conduct a reasonable reinvestigation when a consumer disputes inaccurate information. Simply verifying with the creditor without reviewing the notarized affidavit is not a proper investigation. 2. Violation of FCRA 1681e ( b ) Failure to Maintain Accurate Information The FCRA requires Experian, TransUnion, and Equifax to ensure the maximum possible accuracy of credit reports. Continuing to report fraudulent and unverifiable accounts is a clear violation of this obligation. 3. Violation of FCRA 1681c-2 Failure to Block Fraudulent Information Per FCRA 1681c-2, credit bureaus must block identity theft-related accounts when a valid identity theft report is submitted. My notarized affidavit satisfies this requirement, yet the fraudulent accounts remain. 4. Violation of FCRA 1681n & 1681o Willful and Negligent Noncompliance Since this is my second dispute, the credit bureaus are now in willful noncompliance, which is subject to statutory damages of up to {$1000.00} per violation, plus punitive damages and attorney fees. Resolution Demanded Permanent deletion of all fraudulent accounts and unauthorized inquiries listed above. Written confirmation of removal within the legally required timeframe. Cease further auto-verification and conduct a real investigation, including a review of the notarized affidavit. If this issue is not resolved promptly, I will escalate this matter further, including formal complaints with the FTC, my state Attorney General, and potential legal action for FCRA violations. Please confirm receipt of this dispute and provide a clear timeline for resolution.

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