Consumer complaint received 2025-06-05 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: IL

Complaint narrative:
This is a formal, final dispute notice regarding multiple unauthorized, inaccurate, and harmful accounts and inquiries reporting across all three of my credit reports. I am formally invoking my rights under the Fair Credit Reporting Act ( FCRA ) and FACTA, and demanding immediate deletion of all items listed below. 

Despite previous disputes, these accounts remain or have been reinserted without proper reinvestigation and without consumer notification, both of which are direct violations of federal law. 

ACCOUNTS TO BE REMOVED IMMEDIATELY : XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX | Equifax, Experian, TransUnion XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX | Equifax, Experian, TransUnion XXXX XXXX XXXXXXXX Account XXXX XXXX * * * | Equifax, Experian, TransUnion XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX | Equifax, Experian, TransUnion XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX | Equifax, Experian, TransUnion XXXX XXXX Account : XXXX XXXX XXXX XXXX  | Equifax, Experian, TransUnion XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX | Equifax, Experian, TransUnion XXXXXXXX XXXX  Account : XXXXXXXX XXXX XXXX XXXX | Equifax, Experian, TransUnion XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Equifax, Experian, TransUnion XXXX XXXX XXXX Account : XXXX * XXXX * | Equifax, Experian, TransUnion XXXX XXXX XXXXXXXX Account : XXXXXXXX XXXX XXXX XXXX | Equifax, Experian, TransUnion These accounts are XXXX, unverifiable, and in many cases fraudulent. Several have been previously disputed and either ignored or reinserted without proper reinvestigation or legal notice, in direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

INQUIRIES TO BE REMOVED UNDER FCRA 15 U.S.C. 1681b ( f ) : HXXXX XXXX TransUnion | XX/XX/XXXXXXXX XXXX XXXX TransUnion | XX/XX/XXXXXXXX XXXX XXXX Experian | XX/XX/XXXX XXXX XXXX TransUnion | XX/XX/XXXXXXXX XXXX XXXX, XXXX Experian | XX/XX/XXXX XXXX XXXX Experian | XX/XX/XXXXXXXX XXXX TransUnion | XX/XX/XXXX XXXX XXXX, XXXX XXXX TransUnion XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Experian | XX/XX/XXXXXXXX XXXX Equifax | XX/XX/XXXX These inquiries were made without my written consent, in violation of FCRA 1681b, which requires a permissible purpose for any credit pull. I demand their immediate removal. 

YOUR ACTIONS CONSTITUTE THE FOLLOWING VIOLATIONS : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to reinvestigate consumer disputes within 30 days 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy 15 U.S.C. 1681b ( f ) : Accessing or providing information without a permissible purpose 15 U.S.C. 1681c-2 : Refusal to block fraudulent data after being notified 15 U.S.C. 1681n & 1681o : Willful and negligent noncompliance, subject to civil liability LEGAL PRECEDENT & REGULATORY ACTIONS : The Consumer Financial Protection Bureau ( CFPB ) has filed multiple actions against Experian and Equifax for : Failing to correct inaccurate data Reinserting deleted items without legal notification Falsifying reinvestigation claims Source : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-sues-experian-for-sham-investigations-of-credit-report-errors DEMAND FOR ACTION 30 DAYS OR LEGAL ESCALATION : You have 30 calendar days to : Delete all of the accounts and inquiries listed above from my credit file with each bureau Mail me written confirmation that each item has been permanently removed Send updated credit reports showing the corrected status Failure to comply will result in : Immediate complaints filed with the CFPB, FTC, State Attorney General, and XXXX  Legal action filed in federal court under the FCRA, seeking statutory and punitive damages Subpoena and deposition of your compliance department for records of all handling related to my prior disputes

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