Consumer complaint received 2025-09-30 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: CO

Complaint narrative:
XXXX'I am formally requesting that the Consumer Financial Protection Bureau (CFPB) immediately enforce corrective action against Equifax, Experian, and TransUnion for persistent and repeated violations of federal law. Over 30 days ago, I submitted detailed written disputes, comprehensive identity theft documentation, and supporting evidence. The bureaus have unlawfully failed to comply with their statutory obligations under the Fair Credit Reporting Act (FCRA) and associated federal laws, constituting further violations.XXXXViolations Committed by THE BUREAUSXXXX15 U.S.C.  1681 (FCRA  607(b)): Failure to maintain maximum possible accuracy.XXXXFCRA  611(a)(1)(A): Failure to investigate consumer disputes within the statutory 30-day timeframe.XXXXFCRA  611(a)(6): Failure to conduct reinvestigations and provide findings.XXXX15 U.S.C.  1692g: Failure to notify the consumer of alleged debts within the required timeframe.XXXXGramm-Leach-Bliley Act (15 U.S.C.  68016809): Failure to adequately safeguard consumer personal informationXXXX18 U.S.C.  1028: Identity theft and unauthorized misuse of personal data.XXXX15 U.S.C.  1681g(e): Failure to provide adequate victim assistance, fraud alerts, and recovery toolsXXXXMetro2/CDIA Violations: Noncompliance with established industry reporting standardsXXXXColorado Criminal Statutes: Violations relating to identity theft and consumer fraud.XXXXFDCPA 15 U.S.C.  1692g(b): Failure to respond to validation requests within 30 daysXXXXFraudulent and Inaccurate Accounts Requiring Immediate Removal and Permanent Blocking:\n1. XXXX XXXX XXXX ViolationsXXXX FCRA  1681e(b), 1681i(a), 1681g, 1681s-2(b), 1681i(a)(5)(B), 1681c(a)\n FDCPA  1692g(a), 1692g(b), 1692e(8), 1692d\n GLBA  6801(b), 6802(a)\n Metro 2 formatting and accuracy violations\n Colorado Consumer Credit Reporting Act (CCCRA): Colo. Rev. Stat. \n5-18-101 et seq., including  5-18-106(1), 5-18-107(1)(a)\n Rosenthal Fair Debt Collection Practices Act (RFDCPA)  Cal. Civ. Code\n 1788.13(e), 1788.17\n Colorado Fair Debt Collection Practices Act (CFDCPA): Colo. Rev. Stat.\n 5-16-101 et seq., including  5-16-102, 5-16-103\n Colorado Consumer Protection Act (CCPA): Colo. Rev. Stat.  6-1-101 et\nseq., including  6-1-105(1)(a), 6-1-105(1)(b)\n\nDEMAND: Immediate deletion and permanent blocking of this tradeline under FCRA \n1681c-2, Colorado Consumer Credit Reporting Act (CCCRA)  Colo. Rev. Stat. \n5-18-106(1) & 5-18-107(1)(a)), and Colorado Fair Debt Collection Practices Act\n(CFDCPA)  Colo. Rev. Stat.  5-16-101 et seq. due to identity theft, lack of permissible\npurpose, and failure to verify. This account must be deleted immediately, flagged under\nDispute Code 103  Fraudulent, and suppressed permanently as part of your automated\nfraud deletion protocol, in full compliance with federal and Colorado law.XXXX XXXX XXXX XXXX XXXX  FCRA  1681e(b), 1681i(a), 1681g, 1681s-2(b), 1681i(a)(5)(B), 1681c(a)\n FDCPA  1692g(a), 1692g(b), 1692e(8), 1692d\n GLBA  6801(b), 6802(a)\n Metro 2 formatting and accuracy violations\n Colorado Consumer Credit Reporting Act (CCCRA): Colo. Rev. Stat. \n5-18-101 et seq., including  5-18-106(1), 5-18-107(1)(a)\n\n Rosenthal Fair Debt Collection Practices Act (RFDCPA)  Cal. Civ. Code\n 1788.13(e), 1788.17\n Colorado Fair Debt Collection Practices Act (CFDCPA): Colo. Rev. Stat.\n 5-16-101 et seq., including  5-16-102, 5-16-103\n Colorado Consumer Protection Act (CCPA): Colo. Rev. Stat.  6-1-101 et\nseq., including  6-1-105(1)(a), 6-1-105(1)(b)XXXXDEMAND: Immediate deletion and permanent blocking of this tradeline under FCRA \n1681c-2, Colorado Consumer Credit Reporting Act (CCCRA)  Colo. Rev. Stat. \n5-18-106(1) & 5-18-107(1)(a)), and Colorado Fair Debt Collection Practices Act\n(CFDCPA)  Colo. Rev. Stat.  5-16-101 et seq. due to identity theft, lack of permissible\npurpose, and failure to verify. This account must be deleted immediately, flagged under\nDispute Code 103  Fraudulent, and suppressed permanently as part of your automated\nfraud deletion protocol, in full compliance with federal and Colorado lawXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA  1681e(b), 1681i(a), 1681g, 1681s-2(b), 1681i(a)(5)(B), 1681c(a)\n FDCPA  1692g(a), 1692g(b), 1692e(8), 1692d\n GLBA  6801(b), 6802(a)\n Metro 2 formatting and accuracy violations\n Colorado Consumer Credit Reporting Act (CCCRA): Colo. Rev. Stat. \n5-18-101 et seq., including  5-18-106(1), 5-18-107(1)(a)\n Rosenthal Fair Debt Collection Practices Act (RFDCPA)  Cal. Civ. Code\n 1788.13(e), 1788.17\n Colorado Fair Debt Collection Practices Act (CFDCPA): Colo. Rev. Stat.\n 5-16-101 et seq., including  5-16-102, 5-16-103\n Colorado Consumer Protection Act (CCPA): Colo. Rev. Stat.  6-1-101 et\nseq., including  6-1-105(1)(a), 6-1-105(1)(b)\n\nDEMAND: Immediate deletion and permanent blocking of this tradeline under FCRA \n1681c-2, Colorado Consumer Credit Reporting Act (CCCRA)  Colo. Rev. Stat. \n5-18-106(1) & 5-18-107(1)(a)), and Colorado Fair Debt Collection Practices Act\n(CFDCPA)  Colo. Rev. Stat.  5-16-101 et seq. due to identity theft, lack of permissible\npurpose, and failure to verify. This account must be deleted immediately, flagged under\nDispute Code 103  Fraudulent, and suppressed permanently as part of your automated\nfraud deletion protocol, in full compliance with federal and Colorado law.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA  1681e(b), 1681i(a), 1681g, 1681s-2(b), 1681i(a)(5)(B), 1681c(a)\n FDCPA  1692g(a), 1692g(b), 1692e(8), 1692d\n GLBA  6801(b), 6802(a)\n Metro 2 formatting and accuracy violations\n Colorado Consumer Credit Reporting Act (CCCRA): Colo. Rev. Stat. \n5-18-101 et seq., including  5-18-106(1), 5-18-107(1)(a)\n Rosenthal Fair Debt Collection Practices Act (RFDCPA)  Cal. Civ. Code\n 1788.13(e), 1788.17\n Colorado Fair Debt Collection Practices Act (CFDCPA): Colo. Rev. Stat.\n 5-16-101 et seq., including  5-16-102, 5-16-103\n Colorado Consumer Protection Act (CCPA): Colo. Rev. Stat.  6-1-101 et\nseq., including  6-1-105(1)(a), 6-1-105(1)(b)XXXX XXXXmmediate deletion and permanent blocking of this tradeline under FCRA \n1681c-2, Colorado Consumer Credit Reporting Act (CCCRA)  Colo. Rev. Stat. \n5-18-106(1) & 5-18-107(1)(a)), and Colorado Fair Debt Collection Practices Act\n(CFDCPA)  Colo. Rev. Stat.  5-16-101 et seq. due to identity theft, lack of permissible\npurpose, and failure to verify. This account must be deleted immediately, flagged under\nDispute Code 103  Fraudulent, and suppressed permanently as part of your automated\nfraud deletion protocol, in full compliance with federal and Colorado law.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violations:\n FCRA  1681e(b), 1681i(a), 1681g, 1681s-2(b), 1681i(a)(5)(B), 1681c(a)\n FDCPA  1692g(a), 1692g(b), 1692e(8), 1692d\n GLBA  6801(b), 6802(a)\n Metro 2 formatting and accuracy violations\n Colorado Consumer Credit Reporting Act (CCCRA): Colo. Rev. Stat. \n5-18-101 et seq., including  5-18-106(1), 5-18-107(1)(a)\n Rosenthal Fair Debt Collection Practices Act (RFDCPA)  Cal. Civ. Code\n 1788.13(e), 1788.17\n Colorado Fair Debt Collection Practices Act (CFDCPA): Colo. Rev. Stat.\n 5-16-101 et seq., including  5-16-102, 5-16-103\n Colorado Consumer Protection Act (CCPA): Colo. Rev. Stat.  6-1-101 et\nseq., including  6-1-105(1)(a), 6-1-105(1)(b)\n\nDEMAND: Immediate deletion and permanent blocking of this tradeline under FCRA \n1681c-2, Colorado Consumer Credit Reporting Act (CCCRA)  Colo. Rev. Stat. \n5-18-106(1) & 5-18-107(1)(a)), and Colorado Fair Debt Collection Practices Act\n(CFDCPA)  Colo. Rev. Stat.  5-16-101 et seq. due to identity theft, lack of permissible\npurpose, and failure to verify. This account must be deleted immediately, flagged under\nDispute Code 103  Fraudulent, and suppressed permanently as part of your automated\nfraud deletion protocol, in full compliance with federal and Colorado law.XXXX XXXX XXXX XXXX XXXX XXXX  FCRA  1681e(b), 1681i(a), 1681g, 1681s-2(b), 1681i(a)(5)(B), 1681c(a)\n FDCPA  1692g(a), 1692g(b), 1692e(8), 1692d\n GLBA  6801(b), 6802(a)\n Metro 2 formatting and accuracy violations\n Colorado Consumer Credit Reporting Act (CCCRA): Colo. Rev. Stat. \n5-18-101 et seq., including  5-18-106(1), 5-18-107(1)(a)\n Rosenthal Fair Debt Collection Practices Act (RFDCPA)  Cal. Civ. Code\n 1788.13(e), 1788.17\n Colorado Fair Debt Collection Practices Act (CFDCPA): Colo. Rev. Stat.\n 5-16-101 et seq., including  5-16-102, 5-16-103\n Colorado Consumer Protection Act (CCPA): Colo. Rev. Stat.  6-1-101 et\nseq., including  6-1-105(1)(a), 6-1-105(1)(b)\n\nDEMAND: Immediate deletion and permanent blocking of this tradeline under FCRA \n1681c-2, Colorado Consumer Credit Reporting Act (CCCRA)  Colo. Rev. Stat. \n5-18-106(1) & 5-18-107(1)(a)), and Colorado Fair Debt Collection Practices Act\n(CFDCPA)  Colo. Rev. Stat.  5-16-101 et seq. due to identity theft, lack of permissible\npurpose, and failure to verify. This account must be deleted immediately, flagged under\nDispute Code 103  Fraudulent, and suppressed permanently as part of your automated\nfraud deletion protocol, in full compliance with federal and Colorado lawXXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA  1681e(b), 1681i(a), 1681g, 1681s-2(b), 1681i(a)(5)(B), 1681c(a)\n FDCPA  1692g(a), 1692g(b), 1692e(8), 1692d\n GLBA  6801(b), 6802(a)\n Metro 2 formatting and accuracy violations\n\n Colorado Consumer Credit Reporting Act (CCCRA): Colo. Rev. Stat. \n5-18-101 et seq., including  5-18-106(1), 5-18-107(1)(a)\n Rosenthal Fair Debt Collection Practices Act (RFDCPA)  Cal. Civ. Code\n 1788.13(e), 1788.17\n Colorado Fair Debt Collection Practices Act (CFDCPA): Colo. Rev. Stat.\n 5-16-101 et seq., including  5-16-102, 5-16-103\n Colorado Consumer Protection Act (CCPA): Colo. Rev. Stat.  6-1-101 et\nseq., including  6-1-105(1)(a), 6-1-105(1)(b)\n\nDEMAND: Immediate deletion and permanent blocking of this tradeline under FCRA \n1681c-2, Colorado Consumer Credit Reporting Act (CCCRA)  Colo. Rev. Stat. \n5-18-106(1) & 5-18-107(1)(a)), and Colorado Fair Debt Collection Practices Act\n(CFDCPA)  Colo. Rev. Stat.  5-16-101 et seq. due to identity theft, lack of permissible\npurpose, and failure to verify. This account must be deleted immediately, flagged under\nDispute Code 103  Fraudulent, and suppressed permanently as part of your automated\nfraud deletion protocol, in full compliance with federal and Colorado law.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violations:\n FCRA  1681e(b), 1681i(a), 1681g, 1681s-2(b), 1681i(a)(5)(B), 1681c(a)\n FDCPA  1692g(a), 1692g(b), 1692e(8), 1692d\n GLBA  6801(b), 6802(a)\n Metro 2 formatting and accuracy violations\n Colorado Consumer Credit Reporting Act (CCCRA): Colo. Rev. Stat. \n5-18-101 et seq., including  5-18-106(1), 5-18-107(1)(a)\n Rosenthal Fair Debt Collection Practices Act (RFDCPA)  Cal. Civ. Code\n 1788.13(e), 1788.17\n Colorado Fair Debt Collection Practices Act (CFDCPA): Colo. Rev. Stat.\n 5-16-101 et seq., including  5-16-102, 5-16-103\n Colorado Consumer Protection Act (CCPA): Colo. Rev. Stat.  6-1-101 et\nseq., including  6-1-105(1)(a), 6-1-105(1)(b)\n\nDEMAND: Immediate deletion and permanent blocking of this tradeline under FCRA \n1681c-2, Colorado Consumer Credit Reporting Act (CCCRA)  Colo. Rev. Stat. \n5-18-106(1) & 5-18-107(1)(a)), and Colorado Fair Debt Collection Practices Act\n(CFDCPA)  Colo. Rev. Stat.  5-16-101 et seq. due to identity theft, lack of permissible\npurpose, and failure to verify. This account must be deleted immediately, flagged under\nDispute Code 103  Fraudulent, and suppressed permanently as part of your automated\nfraud deletion protocol, in full compliance with federal and Colorado lawXXXX XXXX XXXX XXXX XXXX  Violations:\n FCRA  1681e(b), 1681i(a), 1681g, 1681s-2(b), 1681i(a)(5)(B), 1681c(a)\n FDCPA  1692g(a), 1692g(b), 1692e(8), 1692d\n GLBA  6801(b), 6802(a)\n Metro 2 formatting and accuracy violations\n Colorado Consumer Credit Reporting Act (CCCRA): Colo. Rev. Stat. \n5-18-101 et seq., including  5-18-106(1), 5-18-107(1)(a)\n Rosenthal Fair Debt Collection Practices Act (RFDCPA)  Cal. Civ. Code\n 1788.13(e), 1788.17\n Colorado Fair Debt Collection Practices Act (CFDCPA): Colo. Rev. Stat.\n 5-16-101 et seq., including  5-16-102, 5-16-103\n Colorado Consumer Protection Act (CCPA): Colo. Rev. Stat.  6-1-101 et\nseq., including  6-1-105(1)(a), 6-1-105(1)(b)\n\nDEMAND: Immediate deletion and permanent blocking of this tradeline under FCRA \n1681c-2, Colorado Consumer Credit Reporting Act (CCCRA)  Colo. Rev. Stat. \n5-18-106(1) & 5-18-107(1)(a)), and Colorado Fair Debt Collection Practices Act\n(CFDCPA)  Colo. Rev. Stat.  5-16-101 et seq. due to identity theft, lack of permissible\npurpose, and failure to verify. This account must be deleted immediately, flagged under\nDispute Code 103  Fraudulent, and suppressed permanently as part of your automated\nfraud deletion protocol, in full compliance with federal and Colorado law.XXXX XXXX XXXX XXXX XXXX FCRA  1681e(b), 1681i(a), 1681g, 1681s-2(b), 1681i(a)(5)(B), 1681c(a)\n FDCPA  1692g(a), 1692g(b), 1692e(8), 1692d\n GLBA  6801(b), 6802(a)\n Metro 2 formatting and accuracy violations\n Colorado Consumer Credit Reporting Act (CCCRA): Colo. Rev. Stat. \n5-18-101 et seq., including  5-18-106(1), 5-18-107(1)(a)\n Rosenthal Fair Debt Collection Practices Act (RFDCPA)  Cal. Civ. Code\n 1788.13(e), 1788.17\n Colorado Fair Debt Collection Practices Act (CFDCPA): Colo. Rev. Stat.\n 5-16-101 et seq., including  5-16-102, 5-16-103\n Colorado Consumer Protection Act (CCPA): Colo. Rev. Stat.  6-1-101 et\nseq., including  6-1-105(1)(a), 6-1-105(1)(b)\n\nDEMAND: Immediate removal of all late payments under FCRA  1681c-2, Colorado\nConsumer Credit Reporting Act (CCCRA)  Colo. Rev. Stat.  5-18-106(1) & \n5-18-107(1)(a)), and Colorado Fair Debt Collection Practices Act (CFDCPA)  Colo.\nRev. Stat.  5-16-101 et seq. due to inaccurate reporting and multiple violations of law.\nThis account must be corrected immediately, flagged under Dispute Code 106  Late\nPayment History Dispute, and processed through your structured automation logic to ensure\ndeletion or correction of all unverifiable or incorrect late payment statuses.\nAdditional Inaccuracies to Remove\nIncorrect or Unfamiliar Addresses: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 Immediate deletion and permanent blocking of these addresses under FCRA \n1681c-2, Colorado Consumer Credit Reporting Act (CCCRA)  Colo. Rev. Stat. \n5-18-106(1), and Colo. Rev. Stat.  5-18-107(1)(a) due to identity theft and lack of\nverification.\nIncorrect Employer Listing:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Immediate deletion and permanent blocking of these employers under FCRA \n1681c-2, Colorado Consumer Credit Reporting Act (CCCRA)  Colo. Rev. Stat. \n5-18-106(1), and Colo. Rev. Stat.  5-18-107(1)(a) due to identity theft and lack of\nverification.\nIncorrect Name ListingXXXX XXXX XXXX XXXX XXXX XXXX  Immediate deletion and permanent blocking of these names under FCRA \n1681c-2, Colorado Consumer Credit Reporting Act (CCCRA)  Colo. Rev. Stat. \n5-18-106(1), and Colo. Rev. Stat.  5-18-107(1)(a) due to identity theft, lack of verification.\nRequested Relief from the CFPB:\nImmediate enforcement of removal and permanent blocking of all fraudulent and inaccurate accounts listed.\nImmediate deletion of all unauthorized hard inquiries.\nCorrection of all inaccurate personal information, including addresses, employers, and names.\nProvision of updated credit reports from all three bureaus confirming these corrections.\nImplementation of statutory identity theft protections, including fraud alerts.\nComprehensive investigation and imposition of sanctions for failure to comply with FCRA and FDCPA mandated deadlines.\nImposition of appropriate fines or disciplinary actions against the bureaus for willful neglect of their legal obligations.\nSupporting Documentation Previously Submitted:\nGovernment-issued photo identification\nSocial Security card\nOfficial police report documenting identity theft\nProof of current residence\nOriginal dispute letters TO THE CREDITORS\nDeclaration: I hereby affirm, under penalty of perjury, that all statements provided herein are truthful and accurate to the best of my knowledge. Due to the significant harm caused by the illegal actions of these bureaus and creditors, I request urgent intervention from the CFPB to enforce compliance with federal law, protect my consumer rights, and restore the integrity of my credit report.'

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