Consumer complaint received 2025-03-28 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:
This formal complaint is submitted pursuant to violations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ), federal identity theft provisions ( 18 U.S.C. 1028 ), and applicable Florida state identity theft statutes.

I formally demand immediate, automatic removal and permanent blocking of the following inaccurate, incomplete, unverifiable, and disputed information, including all associated inquiries, from my credit reports across Equifax, Experian, and TransUnion : Disputed Accounts : XXXX ( # XXXX ) DEPTEDXXXX ( # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Violations Include : Failure to Provide Proper Verification ( FCRA 1681i ) Failure to Conduct Reasonable Investigations ( FCRA 1681i ) Failure to Mark Accounts as Disputed ( FCRA 1681i ( a ) ( 6 ) ( B ) ) Reporting Inaccurate Information ( FCRA 1681e ( b ) ) Failure to Notify ( FDCPA 1692g ) Failure to Ensure Accuracy ( FCRA 607 ( b ) ) Untimely Investigation ( FCRA 611 ( a ) ( 1 ) ( A ) ) Failure to Protect Personal Information ( GLBA, 15 U.S.C. 68016809 ) Ignoring Federal Identity Theft Protections ( 18 U.S.C. 1028 ) Failure to Provide Resources for Identity Theft Victims ( FCRA 1681g ( e ) ) Violations of Florida Identity Theft Statutes Requested CFPB Action : Immediate enforcement and automatic removal/blocking of all listed disputed accounts and inquiries from Equifax, Experian, and TransUnion via compliance requirements, pursuant to 15 U.S.C. 1681i.

Compel immediate labeling of these accounts as " Disputed '' as mandated by federal law.

Require all respondents to provide full written verification of debt, including original signed agreements and transaction histories within 30 days.

Investigate and enforce compliance to prevent further damages.

Failure of the Respondents to comply immediately and fully will result in further escalation, including litigation and regulatory action through the FTC, Florida Attorney General 's Office, and applicable courts for maximum damages as allowed by law. 

Thank you for your immediate attention to rectify these significant violations affecting my rights and creditworthiness. 

Respectfully, XXXX 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