Consumer complaint received 2025-06-09 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: NY

Complaint narrative:
I am requesting the Consumer Financial Protection Bureau ( XXXX  ) to immediately take enforcement action against Equifax, Experian, and TransUnion for multiple and repeated violations of federal law. I submitted written disputes, identity theft documentation, and supporting materials over XXXX  days ago ( date of the letter ), and they failed to comply with statutory duties under the Fair Credit Reporting Act ( XXXX  ) and related federal laws. This delay constitutes additional violations. 

Violations Committed : XXXX U.S.C. XXXX, FCRA XXXX ( b ) : Failure to ensure maximum possible accuracy FCRA XXXX ( a ) ( XXXX ) ( A ) : Failure to investigate disputes within XXXX  days FCRA XXXX ( a ) ( XXXX ) : Failure to reinvestigate and issue findings XXXX U.S.C. XXXX : Failure to notify consumer of alleged debts XXXX XXXX ( XXXX U.S.C. XXXX ) : Failure to safeguard consumer information XXXX U.S.C. XXXX : Identity theft and misuse of personal data XXXX U.S.C. XXXX ( XXXX ) : Failure to provide victim assistance ( fraud alerts, recovery tools ) XXXX / CDIA Violations : Noncompliance with industry reporting standards New York XXXX XXXX XXXX XXXX XXXX XXXX. : Violations related to identity theft and consumer fraud under New York XXXX XXXX Fraudulent and Inaccurate Accounts to Be Removed : COLLECTION : XXXX XXXX Account Number : XXXX * * * Laws Violated : XXXX U.S.C. XXXX, XXXX ; FCRA XXXX ( b ), XXXX ( a ) ; XXXX XXXX XXXX ; New York XXXX XXXX Request : REMOVE AND BLOCK THIS ACCOUNT IMMEDIATELY. 


COLLECTION : EASTERN ACCOUNT SYSTEM ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX * * * * Laws Violated : XXXX U.S.C. XXXX ; FCRA XXXX ( b ), XXXX ( a ) ; XXXX XXXX XXXX ; New York XXXX XXXX Request : REMOVE AND BLOCK THIS ACCOUNT IMMEDIATELY. 
Requested Relief from the CFPB : Enforce immediate removal and blocking of all fraudulent accounts listed above. 
Compel deletion of all unauthorized hard inquiries. 
Mandate removal of inaccurate personal information, including addresses and employers. 
Require written confirmation from all three credit bureaus, including updated credit reports. 
Ensure that identity theft protections ( e.g., fraud alerts ) are implemented as required by law. 
Initiate investigation and sanctions for failure to comply with FCRA deadlines. 
Fine or discipline bureaus for their willful neglect of legal obligations. 

Supporting Documentation Previously Submitted to Bureaus : Government-issued photo ID Social Security card Police report documenting identity theft Proof of current address Original dispute letters dated XX/XX/year> Declaration : I affirm under penalty of perjury that the statements made in this complaint are accurate and true to the best of my knowledge. I respectfully request urgent enforcement by the CFPB to protect my rights and remove damaging, false, and fraudulent information from my credit reports

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