Consumer complaint received 2025-05-12 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:
This is a formal legal complaint under federal and state consumer protection laws against all four credit reporting agencies for their willful and negligent actions in reporting fraudulent accounts, unauthorized inquiries, and inaccurate personal information on my credit profile. The bureaus have repeatedly violated federal statutes, consumer data standards, and Florida consumer law, and have failed to act despite the submission of proper dispute documentation. 

Fraudulent Accounts ( Opened Without My Consent ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts appear across one or more of my credit reports with the above bureaus, all without my authorization, consent, or supporting documentation. 

Unauthorized Hard Inquiries ( Across All Bureaus ) XXXX XXXX XXXX ( Multiple ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Additional inquiries reflected across bureaus These inquiries were conducted without any permissible purpose, signed application, or written authorization and must be deleted immediately. 

Incorrect Personal Information Across Reports Incorrect Name : XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These identifiers are inaccurate, not associated with me, and must be permanently removed. 

Violations Committed by Equifax, Experian, TransUnion, and XXXX Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. : 1681e ( b ) Failure to ensure maximum possible accuracy 1681i ( a ) ( 1 ) ( A ) Failure to conduct reasonable investigation within 30 days 1681i ( a ) ( 5 ) ( B ) Illegal reinsertion of deleted information without proper notice 1681s-2 ( b ) Failure of furnishers to investigate and correct disputes 609 ( a ) ( 1 ) Failure to provide complete disclosure 604 ( a ) ( 2 ) Unauthorized access and reporting without permissible purpose 1681g ( e ) Failure to assist identity theft victims 1681c ( a ) Reporting obsolete and inaccurate information Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq. : 1692g ( a ) No written validation of alleged debts within 5 days 1692g ( b ) Continuing to report disputed debts without validation 1692f Use of unfair and deceptive reporting or collection practices Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 68016809 : Mishandling of my private and personal information Failure to implement and maintain security safeguards for sensitive consumer data Metro 2 Reporting Standards Violations : Inaccurate coding of account statuses, payment history, and consumer disputes Conflicting data across bureaus ; failure to mark accounts as in dispute Reporting unverifiable, unvalidated, and misclassified tradelines Florida State Law Violations : Florida Statute 817.568 Criminal use of personal identification Florida Statute 501.201 et seq. ( FDUTPA ) Deceptive and unfair reporting conduct Federal Criminal Statute Violation : 18 U.S.C. 1028 Identity theft and willful use of false personal data Harm and Damages As a result of these ongoing violations by the credit bureaus, I have experienced : Denial of credit and housing opportunities Emotional distress and reputational harm Delay in major financial and personal transactions Increased exposure to further identity theft risks Requested Action by the CFPB I respectfully request that the Consumer Financial Protection Bureau take immediate enforcement action to : Compel Equifax, Experian, TransUnion, and XXXX to : Permanently delete and block all listed fraudulent accounts Remove all unauthorized inquiries Correct all inaccurate personal information Provide a full reinvestigation with supporting documentation Order each bureau to issue an updated credit report reflecting these corrections. 

Launch a formal investigation into each bureaus failure to comply with the FCRA, FDCPA, GLBA, and Florida consumer laws. 

Enforce civil penalties for noncompliance and deceptive conduct. 

Documentation Attached in Portal : Government-issued photo ID Social Security card Police report for identity theft Proof of current residence Dispute letters sent to each bureau Declaration and Certification I certify under penalty of perjury that the information provided in this complaint is true and accurate to the best of my knowledge. I request the CFPB take immediate legal enforcement to correct, block, and permanently remove this fraudulent and harmful information. 

Respectfully Submitted, 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