Consumer complaint received 2025-09-07 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 complaint to bring to your immediate attention the failure of the national credit reporting agencies to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I submitted disputes to Equifax / Experian / TransUnion regarding inaccurate information on my credit reports. The FCRA, Section XXXX ( a ) ( XXXX ) ( A ), clearly requires credit reporting agencies to investigate consumer disputes and provide written results within XXXX days. It has now been more than XXXX days since my submissions, and I have received no investigation results, no explanation for delays, and no notice of any permissible XXXXday extension. This failure to act is not only unacceptable but constitutes a direct violation of federal law. The inaction of these agencies undermines my consumer rights, exposes me to ongoing harm from inaccurate reporting, and demonstrates a disregard for compliance obligations mandated by the FCRA. Their failure to respond within the statutory timeframe must be treated as a serious compliance violation warranting immediate enforcement action. I respectfully demand that the CFPB investigate this matter, require the credit bureaus to immediately provide results of my disputes, and hold them accountable for their noncompliance. Continued violations of the FCRA should subject these agencies to penalties and corrective action. 
I am attaching documentation of my dispute submissions for your review. Please confirm receipt of this complaint and advise on the corrective measures that will be taken. 
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ), that you, The TransUnion, Equifax, and Experian credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened. This account has resulted in items appearing on my consumer FICO credit report. I've attached the account in question as well as a copy of the fact that my personal information was impacted by the Equifax Data Breach, TransUnion Data Breach, XXXX Data Breach, XXXX Data Breach, and XXXX Data Breach. I do not recognize the aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my Identity Theft Affidavit as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud. 
XXXX XX/XX/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