Consumer complaint received 2025-06-11 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: CA

Complaint narrative:
Consumer Financial Protection Bureau Subject : Second Complaint - Unresolved Identity Theft, Fraudulent Address, Inquiries, and Accounts Subject : Second Complaint - Unresolved Identity Theft, Fraudulent Address, Inquiries, and Accounts To TransUnion and Experian, This is a second formal complaint and demand for enforcement regarding unresolved identity theft and fraudulent account reporting issues. Despite having submitted an FTC identity theft filing and supporting documents to TransUnion and Experian as part of my first dispute, the disputed items have not been deleted.

I am reminding both bureaus that these documents were fully accepted during the original credit sweep process.

Therefore, in accordance with FCRA Section 611 ( a ) ( 1 ) and 15 U.S.C. 1681i, these derogatory items must now be permanently removed based on the verified documentation provided. Their failure to act accordingly constitutes a continuing violation of federal law. 
The address listed as : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX was identified as fraudulent in my FTC report and must be permanently deleted from all credit records. The address does not belong to me, and I have never resided or received mail at that location. Its continued presence on my Experian report, as confirmed in the latest credit file dated XX/XX/year>, is a violation of 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy. 
Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) FRAUDULENT, tied to the XXXX address and already disputed. 
Continued reporting after my FTC submission violates FCRA Section 611 ( a ) ( 1 ) and 15 U.S.C. 1681i. 
TransUnion - XXXX? XXXX XXXX ( Account # : XXXX ) FRAUDULENT, reported specifically on my TransUnion report with a repossession status and never validated. This constitutes a continued violation under FCRA Section 611 ( a ) ( 1 ) and 15 U.S.C. 1681i. 
List of Inquiries ( Experian ) : - 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 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 Violations by Experian and TransUnion The failure to delete these fraudulent accounts and inquiries after being provided with documented FTC fraud reports and direct disputes violates : - 15 U.S.C. 1681i - Failure to reinvestigate disputed information - 15 U.S.C. 1681e ( b ) - Failure to ensure maximum possible accuracy - 15 U.S.C. 1681s-2 ( b ) - Failure of furnishers to correct and delete erroneous information Additionally, under 15 U.S.C. 1692k, I reserve the right to pursue damages against any data furnisher or bureau continuing to report unverifiable or false information. Experian and TransUnion 's conduct, especially in light of the FTC report, appears to show negligent and willful noncompliance, exposing them to civil liability under 15 U.S.C. 1681n and 1681o. 
See : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, where the court affirmed liability under 1681o for failure to reasonably investigate and correct inaccurate information despite notice and supporting evidence.

Requested Relief I respectfully request the CFPB initiate enforcement action to ensure : XXXX. Removal of the fraudulent XXXX address XXXX. Permanent deletion of XXXX XXXX XXXX ( Experian ) and XXXX? XXXX XXXX ( TransUnion ) XXXX. Removal of all unauthorized Experian inquiries listed above XXXX. Assurance that future inquiries associated with this fraud are blocked from all reports Sincerely, XXXX 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