Consumer complaint received 2025-12-16 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: AZ

Complaint narrative:
CFPB COMPLAINT FAIR CREDIT REPORTING ACT VIOLATIONS Consumer Financial Protection Bureau Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX Complaint Summary I am submitting this complaint to report systemic violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) by multiple consumer reporting agencies ( Experian, Equifax, TransUnion ) and data furnishers, despite my submission of formal written disputes, identity theft documentation, and lawful demands for investigation and blocking of fraudulent information.

The violations involve fraudulent tradelines, identity-theft related accounts, and unauthorized hard inquiries that continue to be reported without lawful verification, permissible purpose, or compliance with mandatory blocking requirements.

Nature of the Violations 1. FAILURE TO BLOCK IDENTITY-THEFT INFORMATION Violations of 15 U.S.C. 1681c-2 ( FCRA 605B ) I provided valid Identity Theft Reports and supporting documentation requesting the mandatory blocking of fraudulent accounts and inquiries. Under 605B, CRAs are required to block such information within four ( 4 ) business days.

Despite this, the following fraudulent information remains reported or inadequately handled : XXXX XXXX XXXX ( XXXX ) Account No. : XXXX Fraudulent charges : {$9800.00} ( posted XX/XX/XXXX ) Multiple identity-theft related hard inquiries across Experian, Equifax, and TransUnion ( auto lenders, banks, dealerships ) that I did not authorize, and for which no signed application or lawful consent has been produced.

Failure to block this information constitutes willful non-compliance with 1681c-2 ( a ) ( 1 ).

2. REPORTING WITHOUT PERMISSIBLE PURPOSE Violations of 15 U.S.C. 1681b ( FCRA 604 ) Numerous entities accessed my consumer report without a permissible purpose. I formally demanded proof of lawful access, including : A signed credit application Evidence of transaction-initiated consumer consent Proper consumer identification verification No such proof has been provided.

Obtaining or furnishing consumer report information without permissible purpose violates 1681b ( a ) and triggers civil liability under 1681n and 1681o.

3. FAILURE TO CONDUCT A REASONABLE REINVESTIGATION Violations of 15 U.S.C. 1681i ( FCRA 611 ) Upon receipt of my disputes, CRAs were required to conduct a reasonable reinvestigation and delete or correct information that could not be verified.

Instead : Disputed items were merely verified electronically No documentary proof was produced No furnisher certifications or contracts were disclosed No results explaining the method of verification were provided This violates 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ).

4. FURNISHERS REPORTING INACCURATE INFORMATION Violations of 15 U.S.C. 1681s-2 ( a ) and ( b ) Data furnishers continued to : Report information they knew or should have known was inaccurate Fail to correct or delete identity-theft accounts Fail to cease reporting after receiving notice from CRAs Once a furnisher receives notice of dispute from a CRA, 1681s-2 ( b ) mandates a good-faith investigation and correction. This did not occur.

5. FAILURE TO MAINTAIN MAXIMUM POSSIBLE ACCURACY Violations of 15 U.S.C. 1681e ( b ) CRAs are required to follow reasonable procedures to assure maximum possible accuracy. Continuing to report identity-theft accounts and unauthorized inquiries after documented disputes is a direct violation of 1681e ( b ). 



Harm Caused As a direct result of these violations, I have suffered : Credit score suppression Denial or impairment of auto and credit opportunities Reputational and financial harm Time, expense, and distress correcting errors that are not mine Requested CFPB Action I respectfully request that the CFPB : 1. Compel Experian, Equifax, and TransUnion to immediately : Block all identity-theft related accounts and inquiries under 605B Delete inquiries lacking permissible purpose Cease reinsertion under 1681c-2 ( b ) 2. Require furnishers to : Provide documentary proof of liability and consent Cease reporting unverifiable data Correct or delete all inaccurate tradelines 3. Investigate systemic FCRA violations and impose corrective action or penalties where appropriate.

Supporting Documentation ( Previously Submitted ) Identity Theft Report Government-issued ID Credit reports with disputed items marked Formal written disputes to Experian, Equifax, and TransUnion Notices citing FCRA 604, 605B, 611, 623 Best Regards 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