Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX | XXXX XX/XX/XXXX VIA CERTIFIED MAIL & ONLINE PORTAL To : Experian Dispute Department po box XXXX XXXX, TX XXXX Online Portal : www.experian.com/dispute Certified Mail Tracking : # XXXX XXXX XXXX XXXX XXXX ( Disputed XX/XX/XXXX XXXX Equifax Consumer Solutions XXXX XXXX XXXX XXXX, GA XXXX Online Portal : www.equifax.com/personal/credit-report-services/ Certified Mail Tracking : # XXXX XXXX XXXX XXXX XXXX XXXX Disputed XX/XX/XXXX ) TransUnion Consumer Dispute Center XXXX XXXX  XXXX XXXX, PA XXXX Online Portal : www.transunion.com/credit-disputes Certified Mail Tracking : # XXXX XXXX XXXX XXXX XXXX ( Disputed XX/XX/XXXX ) RE : FINAL NOTICE - FCRA 623 VIOLATIONS & DEMAND FOR IMMEDIATE CORRECTIONS Reference Numbers : FTC Case # XXXX XXXX County Police Report # XXXX FDIC Case Number : XXXX Supporting Documentation Provided XXXX FTC Identity Theft Report Police Report # XXXX Equifax Data Breach Settlement Documentation XXXX  XXXX Notice of Data Breach XXXX Notice with FDIC Case Number : XXXX Bureau-Specific Disputes : EXPERIAN Compromised Address Requiring Immediate Removal XXXX XXXX XXXX XXXX  XXXX, XXXX, Texas XXXX Status : Previously promised 24-72 hour removal ; remains incorrectly listed Basis : Multiple data breaches affecting this address EQUIFAX Fraudulent Accounts Requiring Removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TRANSUNION Fraudulent Accounts : XXXX. XXXX XXXX XXXX ( XXXX ) Note : Illegally reinserted after identity theft removal XXXX XXXX Unauthorized Hard Inquiries Requiring Removal : Multiple Bureau Inquiries : XXXX  XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Specific : XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX XX/XX/XXXX Timeline of Events : XX/XX/XXXX : Initial Experian dispute filed XX/XX/XXXX : Equifax & TransUnion disputes filed XX/XX/XXXX : Vehicle theft confirmed at current address XX/XX/XXXX : Experian 's investigation window expired Legal Violations : Bureau Violation Legal Reference Experian Address retention post-dispute XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Equifax Extended reporting of disputed accounts XXXX XXXX XXXX ( XXXX ) ( XXXX ) TransUnion Improper collection reinsertion FTC XXXX XXXX XXXX Demands : Remove compromised address within 5 business days Delete all fraudulent accounts listed above Remove unauthorized inquiries Provide written confirmation of actions taken Complete inter-bureau synchronization by XX/XX/XXXX Notice of Escalation : Failure to comply by XX/XX/XXXX will result in : CFPB complaint filing Texas Attorney General complaint Legal action for statutory damages ( $ XXXX ) Electronic Verification : Portal Reference : XXXX Verification Code : XXXX FTC Case Link : identitytheft.gov # XXXX Sincerely, XXXX XXXX XXXX cc : Consumer Financial Protection Bureau Federal Trade Commission Texas Attorney General 's Office

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