Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, IA XXXX RE : Formal Complaint Against Equifax, Experian, and TransUnion Repeated Violations of Federal Consumer Protection and Credit Reporting Laws To Whom It May Concern, I am submitting this formal complaint against Equifax Information Services LLC, Experian Information Solutions , Inc., and TransUnion LLC ( collectively, the Credit Reporting Agencies or CRAs ) for ongoing, willful, and repeated violations of federal consumer protection laws, despite prior disputes, investigations, and removals earlier this year. 
These violations include, but are not limited to : Reporting inaccurate late payments with credit accounts and student loans Reporting unknown and unauthorized inquiries Reporting charged-off or closed accounts inaccurately Re-insertion of previously deleted accounts without proper notice Failure to block identity-theft-related information Failure to conduct reasonable reinvestigations Failure to maintain maximum possible accuracy ________________________________________ Background and Identity Theft Disclosure In the first quarter of XXXX, I formally reported identity theft to the Federal Trade Commission ( FTC ) report XXXX XXXX. This theft involved accounts and inquiries that do not belong to me and were not authorized. 
Following my disputes and submission of identity theft documentation : Several inaccurate accounts and inquiries were removed earlier in XXXX  These same items were later reinserted onto my credit files I did not receive proper written notice of reinsertion as required by law This conduct constitutes clear statutory violations. 
________________________________________ Violations of Federal Law The actions of Equifax, Experian, and TransUnion violate the following laws and statutes : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1. Failure to Ensure Maximum Possible Accuracy 15 U.S.C. 1681e ( b ) CRAs are required to follow reasonable procedures to assure maximum possible accuracy. Reporting late payments, charged-off accounts, and unauthorized inquiries that are factually incorrect violates this obligation.

2. Failure to Conduct Reasonable Reinvestigations 15 U.S.C. 1681i ( a ) ( 1 ) The CRAs failed to conduct reasonable reinvestigations after I disputed the inaccuracies and provided identity theft documentation.

3. Illegal Re-Insertion of Previously Deleted Information 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Previously deleted information was reinserted without certification of accuracy and without required written notice, which is expressly prohibited.

4. Failure to Block Identity Theft Information 15 U.S.C. 1681c-2 CRAs must block reporting of information resulting from identity theft once properly notified. Their refusal to permanently block these accounts is unlawful.

5. Reporting Obsolete or Improper Account Statuses 15 U.S.C. 1681c ( a ) Charged-off or closed accounts are being reported inaccurately and misleadingly, including incorrect payment histories.

________________________________________ Fair and Accurate Credit Transactions Act ( FACTA ) Failure to properly address identity theft claims and prevent reappearance of fraudulent accounts violates FACTA amendments to the FCRA.

________________________________________ Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) 12 U.S.C. 5531 & 5536 The continued reporting of known inaccuracies after disputes and deletions constitutes unfair and deceptive practices, causing measurable consumer harm.

________________________________________ Harm Caused As a direct result of these violations, I have suffered : Damage to my creditworthiness Denial or adverse terms for credit opportunities Emotional distress and financial hardship Time and expense correcting errors that should not exist ________________________________________ Requested CFPB Action I respectfully request that the CFPB : 1. Investigate Equifax, Experian, and TransUnion 2. Require immediate deletion and permanent blocking of all identity-theft-related accounts and inquiries 3. Require correction of all inaccurate late payments and account statuses 4. Prevent further unlawful re-reporting 5. Take enforcement action as appropriate for repeated violations ________________________________________ Conclusion The Credit Reporting Agencies have demonstrated a pattern of non-compliance with federal law, despite being provided ample notice and documentation. Their conduct undermines the protections afforded to consumers under the FCRA and related statutes.

I certify that the information provided in this complaint is true and correct to the best of my knowledge.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX 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