Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
This complaint formally addresses severe violations by Equifax, Experian, and TransUnion concerning numerous inaccurate, unverifiable, and fraudulent entries on my credit reports. Each bureau reports distinctly varying, inaccurate details, including inconsistent account numbers, open dates, last active dates, unauthorized names, addresses, employers, and other key identifiers across all accounts. These discrepancies explicitly violate the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Gramm-Leach-Bliley Act, the Identity Theft Assumption Deterrence Act, and the Metro 2 guidelines for accurate credit reporting. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations :

Failure to Provide Proper Verification - FCRA 611 ( 15 U.S.C. 1681i ) Failure to Conduct Reasonable Investigation - FCRA 611 ( 15 U.S.C. 1681i ) Failure to Mark Accounts as Disputed - FCRA 611 ( a ) ( 6 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ) Reporting Inaccurate Information - FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to Notify - FDCPA 809 ( 15 U.S.C. 1692g ) Failure to Ensure Accuracy - FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to Complete Investigation within 30 days - FCRA 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Failure to Protect Personal Information - Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ) Ignoring Identity Theft Protections- Identity Theft Assumption Deterrence Act ( 18 U.S.C. 1028 ) Failure to Provide Resources for Identity Theft Victims- FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Violation of Metro 2 Reporting Standards due to inconsistent and incorrect reporting of critical account details.

Violation of Florida State Laws regarding identity theft and consumer protection.

Demanded CFPB Actions : Immediately enforce the automated removal and permanent blocking of all disputed fraudulent and inaccurately reported accounts, inquiries, unauthorized names, addresses, and employers.

Ensure each credit bureau provides complete documentation and original verification, including signed contracts or equivalent validity proof.

Enforce the requirement for bureaus to mark all disputed items as " Disputed '' during resolution, per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ).

Consequences of Non-compliance : Failure of Equifax, Experian, and TransUnion to immediately comply with these mandated corrective actions within the statutory 30-day period will result in initiating further legal remedies, including : Filing a federal lawsuit seeking statutory and actual damages pursuant to FCRA 616, 617 ( 15 U.S.C. 1681n, 1681o ) and FDCPA 813 ( 15 U.S.C. 1692k ).

Filing additional formal complaints with regulatory authorities, including the Federal Trade Commission ( FTC ) and the Office of the Florida Attorney General.

Immediate compliance and written confirmation of all actions taken by each bureau are required within the statutory timeframe. 

Respectfully submitted, XXXX XXXX XXXX

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