Consumer complaint received 2025-04-05 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:
I am submitting this complaint on behalf of XXXX XXXX regarding Equifax, Experian, and TransUnion 's failure to comply with federal and state laws governing credit reporting and identity theft. Despite submitting formal disputes over two months ago, these credit bureaus have failed to address or resolve the fraudulent and inaccurate accounts reported on my credit file. As of today, I have not received any response or resolution, which exceeds the legally mandated 30-day investigation period under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Background : My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I have been a victim of identity theft, resulting in multiple fraudulent and inaccurate accounts reported by Equifax, Experian, and TransUnion. These accounts were opened without my knowledge or consent, violating both federal and state laws. I provided the credit bureaus with all necessary documentation, including government-issued ID, Social Security card , police reports, and proof of address. Despite allowing more than 30 days, the bureaus have failed to remove or investigate the disputed accounts as required by law.

Violations : Failure to Investigate : Under FCRA 611 ( a ) ( 1 ) ( A ), credit bureaus must investigate disputes within 30 days. More than two months have passed, and the disputes remain unresolved.

Failure to Reinvestigate : FCRA 611 ( a ) ( 6 ) mandates that bureaus reinvestigate disputed resolutions if the consumer challenges the response. My disputes were not adequately addressed.

Failure to Ensure Accuracy : FCRA 607 ( b ) requires credit bureaus to maintain maximum accuracy in reporting. Inconsistent and incorrect information across the bureaus reflects noncompliance.

Failure to Notify : Creditors must provide debt validation within five days under 15 U.S.C. 1692g. This was not done, invalidating the accounts.

Identity Theft Protections Ignored : The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) criminalizes identity theft. Fraudulent accounts on my report constitute a violation of my rights. 

Failure to XXXX XXXX : The XXXX XXXX ( 15 U.S.C. 6801-6809 ) mandates protection of consumer information, which has evidently been compromised.

Failure to Support Identity Theft Victims : FTC guidelines ( 15 U.S.C. 1681g ( e ) ) require credit bureaus to offer resources for victims, which was not done.

State Law Violations : Florida state law criminalizes identity theft, and the fraudulent accounts violate these statutes as well.

Requested Resolution : Immediate removal and permanent blocking of the disputed accounts from my credit report.

Implementation of fraud alerts as mandated by law.

Written confirmation of the removal and an updated copy of my credit report from all three bureaus.

Enforcement actions against Equifax, Experian, and TransUnion for failing to comply with federal and state laws. 

Detailed investigation into how these accounts were reported without my consent and measures to prevent recurrence. 

Fraudulent Accounts and Violations : EXTRA - Account Number : 4946** - Violated : 15 U.S.C. 1681, 1692g, FCRA 607 ( b ). 

XXXX XXXX - Account Number : XXXX - Violated : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ). 

XXXX XXXX XXXX - Account Number : XXXX - Violated : 15 U.S.C. 1681, 1692g, FCRA 607 ( b ). 

XXXX - Account XXXX : XXXX - XXXX : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ).

CCB/CHLDPLCE - Account Number : XXXX - Violated : 15 U.S.C. 1681, 1692g, FCRA 607 ( b ).

Fraudulent Inquiries : 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 XXXXXXXX. 

Incorrect Names and Addresses : XXXX XXXX XXXX AV XXXX XXXX XXXX XXXX XXXX Enclosed Documents : Government-issued ID Social Security card Police reports regarding identity theft Proof of address Thank you for your prompt attention to this matter. Please ensure these credit bureaus comply with their legal obligations and rectify the harm caused by their negligence. 

Sincerely, 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