Consumer complaint received 2025-06-25 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 writing this statement as a documented and severely impacted victim of identity theft. Despite fulfilling all legal requirements under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ) and providing comprehensive, verifiable documentation, Equifax, TransUnion, and Experian have failed to block or remove fraudulent information from my consumer credit reports as required by law. On XX/XX/year>, I became aware of numerous unauthorized accounts and hard inquiries that were fraudulently opened in my name without my knowledge, consent, or participation. In accordance with my rights under federal law, I promptly : -Filed an official police report ( Case # : XXXX ) -Submitted a notarized FTC Identity Theft Affidavit -Provided a written statement of identity theft -Attached copies of my government-issued ID and proof of address -Sent a detailed list of fraudulent accounts and inquiries Delivered all documents via Certified Mail with Return Receipt to Equifax, TransUnion, and Experian as instructed by the law enforcement officer.

These submissions were made under my rights outlined in : -15 U.S.C. 1681c-2 ( Block of information resulting from identity theft ) -15 U.S.C. 1681g ( Disclosure to consumers ) -15 U.S.C. 1681i ( Reinvestigation of disputed information ) Equifax, Transunion and Experian has shown Negligence and Legal Violations Despite clear statutory obligations to : -Block fraudulent information within four ( 4 ) business days after receiving proper documentation ( as outlined in FCRA 1681c-2 ), -Conduct a reasonable investigation under 1681i, -Protect consumers from continued publication of fraudulent data, the credit bureaus failed to act within the required timeframe or took no meaningful corrective action, thereby causing continued damage and violating federal law. This constitutes gross negligence, if not willful noncompliance, under FCRA 1681n ( Willful noncompliancepunitive damages allowed ), FCRA 1681o ( Negligent noncomplianceactual damages and attorney 's fees recoverable ). I have suffered Harm and Damages Due to the systemic failure of the credit bureaus to remove fraudulent accounts and honor my rights as a victim, I have suffered severe, measurable, and ongoing harm, including : Denied credit and financial hardship, including being declined for essential credit lines, auto loans, and housing opportunities, Emotional distress and mental health deterioration, including anxiety, sleep disruption, and feelings of helplessness in navigating a system that failed to protect me, I have Wasted time and resources, including postage, certified mail fees, document preparation, and emotional labor Damage to my personal and professional reputation. This is not merely a technical failure it is a systemic failure of duty by data furnishers and consumer reporting agencies, creating a direct violation of the FCRA and the rights it is meant to protect.

Equifax, TransUnion, and Experian hold and distribute sensitive consumer data and therefore operate under a legal duty and public trust to handle that information with the highest level of accuracy, integrity, and accountability. As gatekeepers of Americans financial reputations, they are governed by the Fair Credit Reporting Act ( FCRA ) and are legally required to ensure the maximum possible accuracy of the information they report ( 1681e ( b ) ). Because their reports impact access to credit, employment, housing, and insurance, they are entrusted by the public and regulators to act fairly, investigate disputes properly, and immediately block fraudulent dataespecially when identity theft is reported under 1681c-2. When they fail in this duty, they violate public trust and federal law, and cause direct harm to individuals lives and economic opportunities.

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