Consumer complaint received 2025-05-01 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: NV

Complaint narrative:
I am requesting the Consumer Financial Protection Bureau ( CFPB ) to immediately take enforcement action against Equifax, Experian, and TransUnion for multiple and repeated violations of federal law. I submitted written disputes, identity theft documentation, and supporting materials over 30 days ago ( date of the letter ), and they failed to comply with statutory duties under the Fair Credit Reporting Act ( FCRA ) and related federal laws. This delay constitutes additional violations. 

Violations Committed : 15 U.S.C. 1681, FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 1 ) ( A ) : Failure to investigate disputes within 30 days FCRA 611 ( a ) ( 6 ) : Failure to reinvestigate and issue findings 15 U.S.C. 1692g : Failure to notify consumer of alleged debts Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) : Failure to safeguard consumer information 18 U.S.C. 1028 : Identity theft and misuse of personal data 15 U.S.C. 1681g ( e ) : Failure to provide victim assistance ( fraud alerts, recovery tools ) Metro2 / CDIA Violations : Noncompliance with industry reporting standards Nevada Revised Statutes ( NRS ) : Violations related to identity theft and consumer fraud Fraudulent Accounts and Specific Violations XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX   Laws Violated : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 FCRA 607 ( b ) ( Failure to Ensure Maximum Possible Accuracy ) FCRA 611 ( a ) ( 1 ) ( A ) ( Failure to Investigate ) FCRA 611 ( a ) ( 6 ) ( Failure to Reinvestigate ) Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) FTC Identity Theft Resource Requirements ( 15 U.S.C. 1681g ( e ) ) Nevada state identity theft laws ; Metro 2 Compliance & XXXX  Guidelines Request : Immediate removal and permanent blocking of this account.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Laws Violated : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 FCRA 607 ( b ) ( Failure to Ensure Maximum Possible Accuracy ) FCRA 611 ( a ) ( 1 ) ( A ) ( Failure to Investigate ) FCRA 611 ( a ) ( 6 ) ( Failure to Reinvestigate ) Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) FTC Identity Theft Resource Requirements ( 15 U.S.C. 1681g ( e ) ) Nevada state identity theft laws ; Metro 2 Compliance & CDIA Guidelines Request : Immediate removal and permanent blocking of this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Laws Violated : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 FCRA 607 ( b ) ( Failure to Ensure Maximum Possible Accuracy ) FCRA 611 ( a ) ( 1 ) ( A ) ( Failure to Investigate ) FCRA 611 ( a ) ( 6 ) ( Failure to Reinvestigate ) Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) FTC Identity Theft Resource Requirements ( 15 U.S.C. 1681g ( e ) ) Nevada state identity theft laws ; Metro 2 Compliance & CDIA Guidelines Request : Immediate removal and permanent blocking of this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Laws Violated Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 FCRA 607 ( b ) ( Failure to Ensure Maximum Possible Accuracy ) FCRA 611 ( a ) ( 1 ) ( A ) ( Failure to Investigate ) FCRA 611 ( a ) ( 6 ) ( Failure to Reinvestigate ) Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) FTC Identity Theft Resource Requirements ( 15 U.S.C. 1681g ( e ) ) Florida State Law on Identity Theft Metro 2 Compliance & CDIA Guidelines Request : I request immediate removal of all late payments. 


Bankruptcy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal ] Violations : FCRA 15 U.S.C. 1681 ; FCRA 607 ( b ) ; FCRA 611 ( a ) ( 1 ) ( A ) ; FCRA 611 ( a ) ( 6 ) ; Gramm-Leach-Bliley Act ; Identity Theft Act ( 18 U.S.C. 1028 ) ; FTC Identity Theft Resources ( 15 U.S.C. 1681g ( e ) ) ; Nevada state identity theft laws ; ; Metro 2 Compliance & CDIA Guidelines. 
Request : Immediate removal and permanent blocking of this account. 
Fraudulent Inquires ( Not Associated with Me ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my file. 
Requested Relief from the CFPB : Enforce immediate removal and blocking of all fraudulent accounts listed above. 
Compel deletion of all unauthorized hard inquiries. 
Mandate removal of inaccurate personal information, including addresses and employers. 
Require written confirmation from all three credit bureaus, including updated credit reports. 
Ensure that identity theft protections ( e.g., fraud alerts ) are implemented as required by law. 
Initiate investigation and sanctions for failure to comply with FCRA deadlines. 
Fine or discipline bureaus for their willful neglect of legal obligations.

Supporting Documentation Previously Submitted to Bureaus : Government-issued photo ID Social Security card Police report documenting identity theft Proof of current address Original dispute letters dated XX/XX/XXXX Declaration : I affirm under penalty of perjury that the statements made in this complaint are accurate and true to the best of my knowledge. I respectfully request urgent enforcement by the CFPB to protect my rights and remove damaging, false, and fraudulent information from my credit reports.

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