Consumer complaint received 2025-04-08 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, XXXX XXXX XXXX, am formally filing a complaint against Experian, for numerous violations under federal and state laws regarding fraudulent and inaccurate information on my credit reports. Despite my detailed and timely disputes to each credit bureau, the inaccuracies and fraudulent accounts persist without proper investigation or resolution. The bureaus are in violation of the following laws and statutory requirements : Violations Across All Bureaus : Failure to Notify ( 15 U.S.C. 1692g ) : Creditors and bureaus did not provide mandatory written notification of debts within five days of reporting. Failure to Ensure Accuracy ( FCRA 607 ( b ) ) : Credit bureaus must ensure maximum accuracy. Persistent discrepancies in balances, statuses, and details across my credit reports from Experian, XXXX, and XXXX clearly demonstrate a lack of compliance. Failure to Investigate ( FCRA 611 ( a ) ( 1 ) ( A ) ) : Disputes must be investigated within 30 days. My disputes remain unresolved beyond this statutory limit. Failure to Reinvestigate ( FCRA 611 ( a ) ( 6 ) ) : Credit bureaus inadequately handled reinvestigations despite repeated requests and substantial evidence provided. Failure to Protect Personal Information ( XXXX XXXX, XXXX XXXX. XXXX ) : There has been improper handling and safeguarding of my personal information, enabling identity theft. Identity Theft Protections Ignored ( Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 ) : Failure to implement and follow federally mandated identity theft protections. Failure to Provide Resources for Identity Theft Victims ( FTC guidelines, 15 U.S.C. 1681g ( e ) ) : Neglect to provide required support and resources for victims of identity theft. Violation of Florida State Law ( Florida Statute 817.568 ) : Reporting of fraudulent accounts breaches state protections against identity theft. Fraudulent Accounts to be Permanently Removed and Blocked : XXXX  ( Account : XXXX XXXX XXXX XXXX ( Account : XXXX ) XXXX XXXX Account : XXXX ) XXXX XXXXXXXX XXXX XXXX Account : XXXX ) XXXX XXXX XXXX Account : XXXX ) XXXX XXXX XXXX ( Account : XXXX ) XXXX  ( Account : XXXX ) XXXX XXXX  Account : XXXX ) Unauthorized Inquiries Requiring Immediate Removal : 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, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Requested Actions from CFPB : Mandate immediate and permanent removal/blockage of all fraudulent accounts and inquiries from Experian XXXX XXXX XXXX and XXXX. Require written confirmation and updated credit reports reflecting these corrections. Compel strict compliance with identity theft protection measures, including the implementation of fraud alerts. Ensure a thorough and proper investigation is conducted into these unauthorized activities, providing me with detailed written results. Given the egregious nature of these violations, immediate action by the CFPB is imperative to restore my credit profile and prevent further harm. Attachments : Copies of my government-issued ID and Social Security card Police reports documenting identity theft Copies of original dispute letters to Experian, XXXX, and XXXX I reserve the right to pursue further legal remedies should prompt and effective action not be taken. Thank you for your urgent attention and intervention. 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