Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
CFPB Complaint Against TransUnion, Equifax, Experian, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Respondents : - TransUnion LLC - Experian Information Solutions , Inc . 
- Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX XXXX XXXX, XXXX Nature of Complaint This complaint arises out of ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., by the above respondents. Despite multiple disputes, identity theft reports, and cease-and-desist notices, false, inaccurate, and unverifiable accounts remain on my credit reports with TransUnion, Equifax, and Experian . 

These accounts include : - XXXX XXXX XXXX reported as closed/charge-off ) - XXXXDepartment of Education accounts ( some reported closed , some open ) XXXX XXXX accounts ( some reported closed, some open ) Facts and Background 1. I am a documented victim of identity theft and submitted a sworn FTC Identity Theft Report, along with supporting documentation.

2. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), the bureaus were required to block and delete these fraudulent accounts within four business days of receiving my identity theft report.

3. Instead, TransUnion, Experian, and Equifax have marked these items as 'verified as accurate ' or continue to report them as closed charge-offs or active disputes. 
4. No furnisher ( XXXX, XXXX, or XXXX ) has ever produced a valid unmarred, original application with my wet signature, nor any forward-flow agreements or assignment proving they have authority to collect or report.

5. I have suffered direct harm, including : - Denial of housing applications- Denial of bank accounts and loans - Damage to my financial reputation - Emotional distress and time lost addressing repeated unlawful reporting Legal Violations - FCRA 605B Identity Theft Blocking ( 15 U.S.C. 1681c-2 ) : Requires removal within 4 business days of documentation. 
- FCRA 611 ( 15 U.S.C. 1681i ) Failure to reinvestigate and remove unverifiable accounts.

- FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to ensure maximum possible accuracy.

- FDCPA 809 ( 15 U.S.C. 1692g ) Failure to cease collection and validate debt. 
- CFPB & FTC Guidance furnishers must delete unverifiable data upon receipt of an identity theft report.

Requested Relief 1. Immediate removal of all XXXX, XXXX, and XXXX XXXXradelines across TransUnion, Equifax, Experian, and XXXX. 
2. Mailed updated copies of my credit reports reflecting complete deletion of these tradelines.

3. Full documentation : - Original unmarred applications ( with wet signature ) - Chain of title / forward-flow agreements - Complete account history and ledger entries 4. Compensation : Maximum statutory damages under the FCRA and FDCPA for willful and negligent violations, plus actual damages for housing and credit denials. 
5. Enforcement action compelling all respondents to cease discriminatory delay tactics, including falsely labeling new complaints as 'duplicate ' or hiding behind 'litigation involved ' notices when the disputed tradelines were not part of prior litigation.

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