Consumer complaint received 2025-02-24 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:
I am filing this complaint against Equifax, Experian, and TransUnion for reporting inaccurate, incomplete, and unverifiable information on my credit reports, violating federal laws including : Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) FCRA 607 ( b ) - Failure to maintain reasonable procedures for maximum accuracy FCRA 611 ( a ) - Failure to properly reinvestigate disputed information Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ) - Failure to provide debt validation XXXX XXXX ( GLBA ) ( 15 U.S.C. 6801-6809 ) - Failure to protect consumer financial data Identity Theft Protection Act ( 18 U.S.C. 1028 ) - Failure to protect against fraud Metro 2 Compliance Guidelines- Inaccurate reporting and misclassification of data State Law Violations- Florida statutes on identity theft protection Each disputed account contains discrepancies across bureaus, including : Open dates Active dates Payment dates Balances Account statuses ( open, closed, charge-off, collections, etc. ) Inconsistent Metro 2 reporting Despite previous disputes, the credit bureaus have failed to correct these errors, violating federal and state regulations. Disputed Accounts ( All XXXX Accounts XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Issues : Open date variations, balance discrepancies, unverifiable debt. Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), FCRA 611 ( a ), 15 U.S.C. 1692g Failure to Provide Proper Verification ( FCRA 1681i ) Failure to Conduct a Reasonable Investigation ( FCRA 1681i ) Failure to Ensure Accuracy ( FCRA 607 ( b ) ) 2. XXXX XXXX  ( Account # XXXX ) Issues : Conflicting open dates, balance errors, misreporting between bureaus. Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), FCRA 611 ( a ), 15 U.S.C. 1692g Reporting Inaccurate Information ( FCRA 1681e ( b ) ) Failure to Notify ( FDCPA 1692g ) 3. XXXX XXXX XXXX Account # XXXX ) Issues : Open date discrepancies, payment history inconsistency. Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), FCRA 611 ( a ), 15 U.S.C. 1692g Failure to Mark Accounts as " Disputed '' ( FCRA 1681i ( a ) ( 6 ) ( B ) ) 4. XXXX XXXX ( Account # XXXX ) Issues : Variations in active and payment dates, unverified balance reporting. Laws Violated : Failure to Investigate ( FCRA 611 ( a ) ( 1 ) ( A ) ) Failure to Protect Personal Information ( XXXX, XXXX XXXX. XXXX ) XXXX. XXXX ( Account # XXXX ) Issues : Reporting inconsistencies in open dates and balances. Laws Violated : Identity Theft Protections Ignored ( 18 U.S.C. 1028 ) Failure to Provide Resources for Identity Theft Victims ( 15 U.S.C. 1681g ( e ) ) 6. XXXX XXXX ( Account # XXXX ) Issues : Balance and account type misclassification, unverifiable information. Laws Violated : State Law Violations ( Florida statutes on identity theft protection ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) Issues : Discrepancies in reported balance, status, and dates. Laws Violated : Failure to Conduct a Reasonable Investigation ( FCRA 1681i ) XXXXXXXX XXXX XXXXXXXX ( Account # XXXX ) Issues : Open date and balance inconsistencies, failure to match data across bureaus. Laws Violated : Failure to Provide Proper Verification ( FCRA 1681i ) 9. XXXX XXXX ( Account # XXXX ) Issues : Payment rating inconsistencies, inaccurate account history. Laws Violated : Failure to Investigate ( FCRA 611 ( a ) ( 1 ) ( A ) ) 10. XXXX ( Account # XXXX ) Issues : Payment misalignment, failure to update account status correctly. Laws Violated : Failure to Notify ( FDCPA 1692g ) 11. XXXX XXXX Account # XXXX ) Issues : Open date errors, missing payment history, incorrect balance updates. Laws Violated : Failure to Mark Accounts as " Disputed '' ( FCRA 1681i ( a ) ( 6 ) ( B ) ) Requested Relief I demand the immediate removal and blocking of these accounts under : 15 U.S.C. 1681i - Consumer Dispute Investigation 15 U.S.C. 1681e ( b ) - Maximum Possible Accuracy Standard Inquiries and Incorrect Information : Inquiries : SXXXX 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 Metro 2 Compliance Guidelines I request : Full enforcement action against the credit bureaus, requiring them to remove and block these accounts from my credit reports permanently. Immediate correction of Metro 2 compliance violations. A legally binding confirmation that these accounts have been permanently deleted and will not be reinserted unless full verification is provided. A formal acknowledgment that these inaccuracies have caused damage and a written statement explaining how the bureaus intend to comply moving forward. Consequences of Noncompliance Conclusion The credit bureaus have failed to comply with federal consumer protection laws, and I demand immediate corrective action, including the permanent removal and blocking of these accounts from my credit report. Sincerely, 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