Consumer complaint received 2025-04-30 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 filing this formal complaint against TransUnion and Experian for willfully and repeatedly violating multiple federal laws under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and additional related consumer protection regulations. The Bureaus have failed to properly investigate my disputes, reinserted previously deleted accounts without appropriate validation, and failed to notify me of the debt validation as required by law. 

Violations Committed : Failure to Ensure Maximum Accuracy : Under the FCRA ( 15 U.S.C. 1681e ( b ) ), both bureaus are required to ensure the maximum possible accuracy of all reported data. In this case, inaccurate data was reported, including discrepancies in balances, high credit limits, and payment histories, without necessary corrections made after repeated disputes. 

Failure to Investigate and Reinvestigate Disputes : Both TransUnion and Experian violated FCRA 611 ( a ) ( XXXX ) ( A ) and FCRA 611 ( a ) ( XXXX ) by failing to investigate my disputes within the XXXX timeframe and failing to reinvestigate previously disputed accounts. These disputes were neither resolved within the legally mandated time nor reinvestigated, as required under FCRA 1681i ( a ). 

Reinsertion of Deleted Accounts Without Validation : TransUnion and Experian both removed fraudulent accounts but reinserted them on XXXX separate occasions without the appropriate revalidation process, violating FCRA 1681i ( a ) ( XXXX ) ( B ). This conduct is unlawful unless the furnisher certifies the accuracy of the information and the credit reporting agency notifies the consumer within XXXX business days. 

Failure to Provide Debt Validation : Under FDCPA 1692g, both bureaus failed to validate the debts, which is a critical violation, as I never received any written verification or validation of the debts listed on my credit reports. This is a clear violation of my rights as a consumer. 

Failure to Safeguard Personal Information : Under XXXX XXXX XXXX  ( XXXX XXXX XXXXXXXX ), credit reporting agencies are required to safeguard consumer data. However, these accounts were reported without my consent, potentially compromising my personal information. 

Failure to Provide Resources for Identity Theft Victims : Both bureaus failed to implement fraud alerts and provide resources required under FTC guidelines ( 15 U.S.C. 1681g ( e ) ). I am a victim of identity theft, yet these actions were not taken to protect my credit. 

Identity Theft and Assumption Deterrence Act Violation : The fraudulent accounts are in direct violation of the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), criminalizing identity theft. These accounts were opened fraudulently in my name, violating federal protections against identity theft. 

XXXX Compliance Violations : TransUnion and Experian failed to adhere to the XXXX Compliance Standards regarding the reporting of accurate data, including late payments and incorrect reporting. This non-compliance should be rectified immediately as per XXXX guidelines. 

Fraudulent Accounts in Dispute : XXXXXXXX XXXX ( XXXX ) : Violations : 15 U.S.C. 1681 ( FCRA ) Failure to report accurate information 15 U.S.C. 1692g ( Debt Validation ) Failure to provide debt validation FCRA 607 ( b ) ( Accuracy of Reporting ) Failure to ensure accuracy of reporting FCRA 611 ( a ) ( XXXX ) ( A ) ( Investigation of Disputes ) Failure to investigate disputes FCRA 1681i ( a ) ( Failure to Reinvestigate ) Failure to reinvestigate disputed information XXXX XXXXXXXX XXXX. XXXX ( Unfair and Deceptive Practices ) Unfair and deceptive reporting practices XXXX Compliance Violations Additional Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : Please remove the following addresses, which are not associated with me : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand for Action : Immediate Removal and Blockage : I demand the immediate removal and blockage of the fraudulent accounts, inquiries, and addresses from my credit reports. 

Written Confirmation : I request written confirmation of the removal of these accounts, inquiries, and addresses, along with updated credit reports from both TransUnion and Experian. 

Thorough Investigation : I demand a thorough investigation into how these fraudulent accounts and addresses were opened and reported without my knowledge or consent and request a full written report detailing the investigation process. 

Compliance with Identity Theft Protections : I request that both bureaus immediately implement fraud alerts and provide the necessary resources as required under federal law. 

Enclosures : Copy of my government-issued ID Copy of my Social Security XXXX Police reports regarding identity theft Proof of address Thank you for your prompt attention to this matter. I look forward to receiving a response within the time limits specified under the FCRA. 

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