Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a confirmed victim of both the Equifax XXXX XXXX and the XXXX XXXX XXXX XXXX ( NPD ). These breaches compromised my Social Security number and personal identifiers. Because of this, I am entitled to heightened protections under FCRA XXXX ( e ), which require suppression of unverifiable or inaccurate data. 

Despite this, Equifax, Experian, and TransUnion continue to publish unverifiable collections, unauthorized inquiries, and inaccurate personal identifiers, while failing to properly reinvestigate my disputes as required under 15 U.S.C. 1681i. 

XXXX. Collections ( All Bureaus ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported as owner of purchased XXXX  XXXX debt with no legal chain of title, assignment, or proof of ownership. 

Dates inconsistent across bureaus ( different Date Opened and Date Last Active ), violating XXXX XXXX accuracy standards. 

Continues to report as derogatory despite lack of validation clear 1681i failure to reinvestigate. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, high credit, and payment history are inconsistent and unverifiable. 

Reporting derogatory/charged-off status despite no documented ownership or contract. 

Account shows incorrect terms and payment history, violating XXXX XXXX reporting standards. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reports itself as collector on an alleged AT & T account with no proof of contract or lawful validation. 

Dates ( Date Opened, Last Reported, Date Last Active ) vary across bureaus, showing noncompliance. 

Reporting unverifiable debt in derogatory status is reckless and unlawful under FCRA 1681e ( b ). 

XXXX. Unauthorized Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX & XX/XX/XXXX ) No proof of permissible purpose ; repeated disputes ignored. 

XXXX XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ) No documented consumer authorization ; Experian continues to report after dispute. 

XXXX XXXX ( XX/XX/XXXX ) Reported by Equifax without lawful proof of permissible purpose. 

XXXX ( XX/XX/XXXX ) Unauthorized and unverifiable ; allowed to remain despite prior disputes. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Reported without consent ; no signed documentation has been produced. 
All these inquiries lack written authorization, violating 15 U.S.C. 1681b. Their continued presence after disputes demonstrates reckless disregard and willful non-compliance. 

XXXX. False/Inaccurate Personal Identifiers XXXX XXXX XXXX, XXXX, NY Unverifiable and deleted by Equifax, yet still published by Experian & TransUnion. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX records confirm it is non-deliverable ; still linked to my profile. 

XXXX XXXX XXXXXXXX XXXX XXXX reports a mismatched formatting of my current address, tying me incorrectly to other data. 

XXXX XXXX XXXX Incorrectly tied to my profile by TransUnion with no proof. 

These errors violate FCRA 1681e ( b ), which mandates maximum possible accuracy. Continuing to connect me to wrong addresses and employers exposes me to identity mix-ups and further fraud risk, especially as a breach victim.

4. Pattern of Reinsertion & Bad-Faith Handling Items previously removed have been reinserted without the required 5-day notice under FCRA 611 ( a ) ( 5 ) ( B ). 

Bureaus have archived disputes without deletion or validation, which is not permitted under the FCRA. 

Some disputes were stalled simply because I used assistance in preparing letters a baseless tactic, since the law does not require disputes to be handwritten or unaided. 

Summary As a victim of the Equifax and XXXX data breaches, I face heightened risk of fraud. Yet, all three bureaus continue to circulate unverifiable collections, unauthorized inquiries, and false identifiers. Their repeated failures to reinvestigate, reliance on noncompliant data, and unlawful reinsertion of items demonstrate systematic FCRA violations.

I request the CFPBs intervention to : Permanently delete all unverifiable collections, unauthorized inquiries, and inaccurate identifiers.

Enforce 609 ( e ) protections for breach victims. 

Investigate and hold all bureaus and furnishers accountable for ongoing non-compliance.

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