Consumer complaint received 2025-06-13 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:
I am requesting the Consumer Financial Protection Bureau ( CFPB ) to immediately take enforcement action against Experian, Equifax and TransUnion for multiple and repeated violations of federal law. I submitted written disputes, identity theft documentation, and supporting materials over 30 days ago ( date of the letter ), and they failed to comply with statutory duties under the Fair Credit Reporting Act ( FCRA ) and related federal laws. This delay constitutes additional violations. 

Violations Committed : 15 U.S.C. 1681, FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 1 ) ( A ) : Failure to investigate disputes within 30 days FCRA 611 ( a ) ( 6 ) : Failure to reinvestigate and issue findings 15 U.S.C. 1692g : Failure to notify consumer of alleged debts Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) : Failure to safeguard consumer information 18 U.S.C. 1028 : Identity theft and misuse of personal data 15 U.S.C. 1681g ( e ) : Failure to provide victim assistance ( fraud alerts, recovery tools ) Metro2 / CDIA Violations : Noncompliance with industry reporting standards California Identity Theft Law ( Cal. Penal Code 530.5 ) : Knowingly obtaining and using personal identifying information without consent California Consumer Credit Reporting Agencies Act ( CCCRAA ), Cal. Civ. Code 1785.1 et seq. : Failure to follow proper procedures for dispute handling and accurate reporting California Consumer Privacy Act ( CCPA ), Cal. Civ. Code 1798.100 et seq. : Mishandling personal data, failure to provide access and correction rights California Unfair Competition Law ( UCL ), Cal. Bus. & Prof. Code 17200 : Unlawful and unfair business practices Fraudulent and Inaccurate Accounts to Be Removed 1. XXXX XXXX XXXX Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 : Reporting format violations CA Law : Cal. Civ. Code 1770 ( a ) ( 14 ), Cal. Bus. & Prof. Code 17200 DEMAND : Immediate deletion and blocking under FCRA 1681c-2.

2. XXXX XXXX XXXX Account Number : XXXX & XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 : Reporting format violations CA Law : Cal. Civ. Code 1770 ( a ) ( 14 ), Cal. Bus. & Prof. Code 17200 DEMAND : Immediate removal of late payments under FCRA 1681c-2. 
Unfamiliar or Incorrect Addresses XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA Incorrect Name : XXXX XXXX Incorrect Employer : XXXX, XXXX XXXX I am requesting the Consumer Financial Protection Bureau ( CFPB ) to immediately take enforcement action against XXXX and XXXX for multiple and repeated violations of federal law. I submitted written disputes, identity theft documentation, and supporting materials over 30 days ago ( date of the letter ), and they failed to comply with statutory duties under the Fair Credit Reporting Act ( FCRA ) and related federal laws. This delay constitutes additional violations.

Violations Committed : 15 U.S.C. 1681, FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 1 ) ( A ) : Failure to investigate disputes within 30 days FCRA 611 ( a ) ( 6 ) : Failure to reinvestigate and issue findings 15 U.S.C. 1692g : Failure to notify consumer of alleged debts Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) : Failure to safeguard consumer information 18 U.S.C. 1028 : Identity theft and misuse of personal data 15 U.S.C. 1681g ( e ) : Failure to provide victim assistance ( fraud alerts, recovery tools ) Metro2 / CDIA Violations : Noncompliance with industry reporting standards California Identity Theft Law ( Cal. Penal Code 530.5 ) : Knowingly obtaining and using personal identifying information without consent California Consumer Credit Reporting Agencies Act ( CCCRAA ), Cal. Civ. Code 1785.1 et seq. : Failure to follow proper procedures for dispute handling and accurate reporting California Consumer Privacy Act ( CCPA ), Cal. Civ. Code 1798.100 et seq. : Mishandling personal data, failure to provide access and correction rights California Unfair Competition Law ( UCL ), Cal. Bus. & Prof. Code 17200 : Unlawful and unfair business practices Fraudulent and Inaccurate Accounts to Be Removed

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