Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
CFPB FOLLOW-UP RESPONSE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Phone : ( XXXX ) XXXX Email : [ your email ] Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX  DC XXXX RE : Follow-Up Complaint Continued Violations by Experian, Equifax, and TransUnion Identity Theft XXXX Lack of Permissible Purpose XXXX Failure to Verify XXXX  Reinsertion Violations To Whom It May Concern, This is my formal follow-up to the three complaints I previously submitted to the Consumer Financial Protection Bureau concerning Experian , Equifax, and TransUnion . Their responses are incomplete, inaccurate, and fail to comply with federal law. I am respectfully requesting intervention due to ongoing violations of the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the Truth in Lending Act.

Despite my providing : FTC Identity Theft Affidavit Police Report Government-issued identification Proof of Address Written disputes to each CRA Direct disputes to furnishers the credit bureaus have continued reporting accounts that are : Identity theft, Unverified, Unauthorized, Lacking a permissible purpose under 15 USC 1681b , Incorrectly reinserted, and Not supported by ANY documentation.

I will outline the violations clearly below. 

XXXX. FAILURE TO BLOCK IDENTITY THEFT ACCOUNTS 15 USC 1681c-2 ( FCRA 605B ) Under FCRA 605B, the credit bureaus are required to block identity theft accounts within 4 business days once identity theft documentation is received. I supplied all required documentation.

The bureaus continue to report multiple fraudulent accounts, including but not limited to : XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Their failure to block these accounts violates federal law. 
XXXX. FAILURE TO PROVIDE METHOD OF VERIFICATION FCRA 609 ( a ) ( 1 ) I requested : The name of each furnisher The employee who verified the account The documentation used The method of verification None of the bureaus provided this information. 
This is a direct violation of 609 ( a ) ( 1 ) : The consumer reporting agency shall disclose the method of verification and the sources of information. 
Failure to do so prevents me from validating the legitimacy of their reporting. 

XXXX. UNREASONABLE REINVESTIGATION FCRA 611 ( a ) Each bureaus reinvestigation relied solely on furnisher responses without reviewing : Original contracts Account applications Signatures IP logs Transaction histories Any substantiating evidence This parroting of furnishers is illegal under case law, including : XXXX XXXX TransUnion ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These cases establish that CRAs must conduct independent reinvestigations. 
The bureaus did not. 

XXXX. ILLEGAL REINSERTION OF REMOVED ACCOUNTS FCRA 611 ( a ) ( 5 ) ( B ) Equifax and Experian reinserted previously deleted fraudulent accounts without sending me the required 5-day reinsertion notice.

This is a serious violation requiring regulatory action. 

XXXX. NO PERMISSIBLE PURPOSE TO REPORT OR FURNISH 15 USC 1681b Neither the bureaus nor any furnisher has produced : A consumer-signed contract A permissible purpose authorization Any evidence that I granted permission to store, report, share, or obtain my data Without permissible purpose, their reporting is unlawful. 

XXXX. FURNISHER VIOLATIONS 15 USC 1681s-2 ( FCRA 623 ) Furnishers MUST stop reporting once an account is : Disputed Identified as identity theft Lacking documentation Instead, they continued reporting without verification violating 623 ( a ) ( 1 ), ( a ) ( 3 ), and ( a ) ( 5 ).

I declare that the disputed accounts were opened or used without my authorization.

I certify that all statements made herein are true and accurate to the best of my knowledge.

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