Consumer complaint received 2025-04-04 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 formally submitting a complaint against Equifax, Experian, and TransUnion for their repeated failure to correct fraudulent, inaccurate accounts, unauthorized inquiries, incorrect personal information, and specifically unjustified late payments on my XXXX XXXX account. Despite multiple disputes submitted under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), these inaccuracies and violations persist. 

Summary of Issues and Violations : XXXX. XXXX  XXXX  Account ( Account # XXXX ) : ** Unauthorized account opening. 

Erroneous late payment indicators. 

Discrepancies in reporting across Equifax, Experian, and TransUnion.

Incorrect account status and payment dates.

Violations : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) - Failure to maintain maximum accuracy in credit reporting.

FCRA : 15 U.S.C. 1681s-2 ( b ) - Failure to investigate and correct inacc
urate information.

FCRA : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Failure to investigate disputes within 30 days.

FDCPA : 15 U.S.C. 1692g - Failure to provide timely debt validation notice.

Requested Action : Immediate removal of all late payment indicators from the XXXX mortgage account due to the proven inaccuracies and legal violations cited above. 

2. Additional Fraudulent Accounts : XXXX XXXX XXXX Account : XXXX ) ** Issues : Balance discrepancies, failure to validate debt. 

Violations : 15 U.S.C. 1681, 1692g ; FCRA 607 ( b ), 611 ( a ). 

XXXX XXXX ( Account : XXXX ) ** Issues : Balance discrepancies, failure to validate debt. 

Violations : 15 U.S.C. 1681, 1692g ; FCRA 607 ( b ), 611 ( a ). 

XXXX ( Account : XXXX ) ** Issues : Discrepancies in high credit reporting, failure to notify.

Violations : 15 U.S.C. 1681, 1692g ; FCRA 607 ( b ). 

XXXX ( Account : XXXX ) ** Issues : Incorrect status, lack of debt notification. 

Violations : 15 U.S.C. 1681, 1692g ; FCRA 607 ( b ). 

XXXX XXXX XXXX XXXX ( Account : XXXX ) ** Issues : Charged-off status inaccuracies, discrepancies. 

Violations : 15 U.S.C. 1681, 1692g ; FCRA 607 ( b ). 

XXXX. Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and others. 

XXXX. Incorrect Personal Information : Incorrect Name : XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specific Violations of Federal and State Laws by the Bureaus Include : Failure to maintain maximum accuracy of credit reporting ( FCRA 607 ( b ) ) Failure to investigate disputes within 30 days ( FCRA 611 ( a ) ( 1 ) ( A ) ) Failure to reinvestigate adequately disputed accounts ( FCRA 611 ( a ) ( 6 ) ) Failure to provide timely debt validation notice ( FDCPA 1692g ) Failure to safeguard consumer personal information ( Gramm-Leach-Bliley Act ) Failure to provide identity theft resources and protections ( FTC guidelines under 15 U.S.C. 1681g ( e ) ) Violations under Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) Violations of XXXX identity theft statute ( XXXX  Statute XXXX ) Requested Actions from CFPB : Immediate removal and blockage of late payment indicators on XXXX XXXX and all other fraudulent accounts listed.

Immediate removal of unauthorized inquiries and incorrect personal information.

Enforce compliance from Equifax, Experian, and TransUnion with federal identity theft protection measures, including fraud alerts. 

Demand thorough reinvestigation and detailed written reports of all disputed information. 

Obtain and ensure written confirmation from bureaus regarding compliance and corrected credit reports. 

Given the persistent noncompliance and violations of federal and state laws, I urge immediate intervention by CFPB to compel Equifax, Experian, and TransUnion to resolve these serious inaccuracies and restore the integrity of my credit profile. 

Thank you for your immediate attention and enforcement. 

Respectfully, 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