Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
COMPLAINANT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX DATE : XX/XX/year> SUBJECT : Formal CFPB Complaint Willful Violations of FCRA XXXX ( XXXX ), XXXX, XXXX ( b ), XXXX ( b ), and XXXX by Experian, Equifax, and TransUnion TO WHOM IT MAY CONCERN : I, XXXX XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against all XXXX national consumer reporting agenciesExperian, Equifax, and TransUnionfor their willful failure to comply with federal law under the Fair Credit Reporting Act ( FCRA ). Despite my repeated notices, including submission of an official FTC Identity Theft Report ( FTC Report XXXX XXXX, attached ), the following fraudulent accounts and inquiries continue to appear on my credit reports : FRAUDULENT COLLECTION ACCOUNTS ( IDENTITY THEFT ) : XXXX XXXX XXXX ( {$2000.00} ) XXXX XXXX XXXX ( {$680.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$550.00} + {$300.00} ) XXXX  XXXX Account ( {$2200.00} ) UNAUTHORIZED CREDIT INQUIRIES ( IDENTITY THEFT ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 LEGAL VIOLATIONS INVOLVED : FCRA XXXX ( 15 U.S.C. XXXX ) : Requires CRAs to block and permanently delete information resulting from identity theft within XXXX business days upon receipt of an identity theft report. 
FCRA XXXX ( 15 U.S.C. XXXXi ) : Requires a proper reinvestigation of disputed information. 
FCRA XXXX ( 15 U.S.C. XXXX ( b ) ) : Requires furnishers to cease reporting inaccurate or fraudulent information when notified of identity theft. 
FCRA XXXX ( b ) ( 15 U.S.C. XXXXe ( b ) ) : Mandates maximum possible accuracy in credit reporting. 
FCRA XXXX ( 15 U.S.C. XXXXb ) : Prohibits unauthorized credit pulls without permissible purpose. 



COMPLAINT SUMMARY : I never opened, never signed, and never authorized any contract or financial obligation with the above entities. Despite providing an FTC Identity Theft Report, my police report, and multiple formal disputes, these accounts and inquiries remain on my credit files, causing ongoing harm. 

The continued reporting of these fraudulent items constitutes willful noncompliance under FCRA, exposing the bureaus to statutory damages of {$1000.00} per violation, plus actual and emotional distress damages under 15 U.S.C. XXXX and XXXX. 



DEMANDS : XXXX. Immediately and permanently block and delete the above-listed fraudulent collection accounts, XXXX XXXX account, and unauthorized credit inquiries under FCRA XXXX XXXX 
XXXX. Provide a written statement of method of verification and complete reinvestigation details under FCRA XXXX. 
XXXX. Confirm in writing that all identity theft-related data has been permanently removed from my files and will no longer be furnished to any third party. 
XXXX. Provide a current copy of my corrected credit report, free of charge, as required under FCRA. 



ATTACHED : FTC Identity Theft Report XXXX XXXX Personal Identity Theft Statement ( signed, under penalty of perjury ) If these demands are not fully met, I will escalate this matter to include legal action for statutory, actual, and punitive damages, and I will continue to pursue regulatory enforcement against your agencies. 

Respectfully, XXXX XXXX XXXX Date : XX/XX/year>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