Consumer complaint received 2025-09-13 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: TX

Complaint narrative:
FCRA/Reg V Violations & Missing Evidence ( XXXX Denial Dated XX/XX/XXXX ) Consumer : XXXX XXXX XXXX XXXX XXXX ( legal name on TX drivers license & Social Security card ) Companies : XXXX, XXXX ( furnisher ) ; XXXX  ( collector for XXXX ) ; Experian ( CRA ) Affirm Loan IDs in dispute : XXXX, XXXX, XXXX, XXXX Key identity fact : XXXX XXXX ( no suffix ) is a different person XXXX XXXX XXXX ( XXXX ) died XX/XX/XXXX XXXX These items are misattributed to me due to suffix omission/mixed file. 

I submit this addendum to address XXXX XX/XX/XXXX denial email ( copied below ). That email is a template-style rejection that does not meet the FCRA and Regulation V standards for accuracy and investigation, and it omits statutory records I am entitled to as an identity-theft victim. 

A ) Violations & Deficiencies 1 ) Unreasonable Investigation FCRA 623 ( b ) ; Reg V, 12 C.F.R. 1022.43 ( Direct Disputes ) XXXX  letter asserts conclusions ( identical IP/device/purchasing patterns, repayment history indicates authorization, associate/household member ) but provides no underlying evidence. A furnisher must conduct a reasonable investigation, review all relevant information I provided ( FTC Identity Theft Report, government ID, SSN card, death record for Sr. ), and resolve inaccuracies. Boilerplate conclusions without evidence do not satisfy 623 ( b ) or Reg V 1022.43. 

2 ) Accuracy/Identity Mismatch FCRA 623 ( a ) ( 1 ) ( no reporting of information known or reasonably should be known to be inaccurate ) XXXX  continues to treat XXXX XXXX ( no suffix ) as if it were me, XXXX XXXX XXXX XXXX XXXX. Failing to reconcile the suffix and the fact that XXXX XXXX ( Sr. ) is deceased ( XX/XX/XXXX ) shows an identity mismatch/mixed file and undermines accuracy obligations. 

3 ) Failure to Furnish With a Dispute Notation FCRA 623 ( a ) ( 3 ) The denial states that loan and payment information will be reported to the credit bureau on a regular basis, but does not confirm the required dispute notation. A furnisher that continues to report disputed information must clearly communicate that the item is disputed. Omission violates 623 ( a ) ( 3 ).

4 ) Failure to Provide Identity-Theft Records FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) As an identity-theft victim, upon request I am entitled to application and transaction records for the disputed accounts within 30 days. XXXX  denial letter includes none of the required records ( see Section B below ) and does not acknowledge this obligation.

5 ) Identity-Theft Blocking & Collections FCRA 605B ( CRA duty ) & 615 ( f ) ( no sale/transfer/collection after 605B notice ) Once a CRA issues a 605B block/notice that a tradeline resulted from identity theft, no one may sell, transfer, or place the debt for collection ( with limited exceptions ). XXXX denial ignores this and states ongoing reporting/collections. I have submitted ( or am submitting ) a 605B block request to Experian ; upon notice, 615 ( f ) bars continued placement/collection.

6 ) Policies & Procedures Deficiencies Reg V 1022.42 Furnishers must maintain written policies and procedures to ensure accuracy and integrity of furnished information. The failure to reconcile the legal name/suffix, to provide 609 ( e ) records, and to rely on generic assertions suggests deficient policies/procedures. 

7 ) Frivolous or Irrelevant Dispute Notice Reg V 1022.43 ( f ) If a furnisher deems a direct dispute frivolous, it must notify the consumer within 5 business days, explain why, and what additional information is needed. XXXX  denial does not contain this notice. Therefore, it can not rely on a frivolous designation to avoid a proper investigation. 

B ) Statutory Records XXXX  Should Have Produced ( but didnt ) Required by 609 ( e ) and necessary to show a reasonable investigation : Application & Identity Evidence for each loan Full application ( exact name string captured, including suffix ) E-signature/consent audit logs ( timestamps, IP addresses, device IDs/fingerprints, geolocation, terms presented ) XXXX results, phone/email ownership at origination, address verification, any ID images or liveness checks Transaction & Merchant/POS Detail Merchant name/location, POS store ID, virtual card token and authorization records , AVS/CVV results, shipping/pickup addresses, refund logs Account-Use & Device Telemetry Login history, device/SIM history, IP logs, and any comparative analysis supporting the identical IP/device/purchasing pattern claim Dispute-Handling File Internal notes, all materials reviewed, basis for associate/household member theory, and furnishing history showing the item was flagged as disputed after my notice Identity-Theft Compliance Trail Any 605B notices received from CRAs and steps taken to prevent re-reporting ; confirmation of cease-collection consistent with 615 ( f ) once notified C ) Requested CFPB Relief ( in addition to prior requests already on file ) Direct XXXX  to conduct a new, reasonable investigation under 623 ( b ) /Reg V 1022.43, and to produce all 609 ( e ) records listed in Section B. 

Order deletion/blocking of the four XXXX tradelines as identity theft/mixed file ( wrong consumer due to suffix omission ), and require no re-reporting. 

Require XXXX to furnish any interim reporting with a dispute notation under 623 ( a ) ( 3 ) until the items are deleted. 

Upon Experians 605B block/notice, require cease-collection and recall from XXXX consistent with 615 ( f ). 

Require XXXX  to correct its internal records to XXXX XXXX XXXX, XXXX only and purge data tied to XXXX XXXX ( deceased XX/XX/XXXX ) from my file. 

Provide me with written deletion letters and confirmation of actions taken. 




CFPB Complaint Narrative Identity Theft / Mixed File / Wrong Legal Name ( XXXX  ) Complainant : XXXX XXXX XXXX, XXXX ( my legal name as it appears on my Texas drivers license and Social Security card ). 
Not me : XXXX XXXX ( no suffix ) this is a different person. XXXX XXXX ( XXXX ) died on XX/XX/XXXX. 

Companies : XXXX XXXX XXXX ; XXXX ( third-party collector for XXXX ) ; Experian ( credit reporting ). 
Disputed accounts ( XXXX  XXXX  Card loans ) : XXXX ; XXXX ; XXXX ; XXXX. 
Dispute posture : Identity theft / mixed file, wrong legal name, and inaccurate credit reporting. I already uploaded my FTC Identity Theft Report, drivers license, and Social Security card to XXXX and Experian. XXXX nevertheless found me responsible by email on XX/XX/XXXX, without correcting the name error or providing verifiable identity evidence. 

1 ) Core issue : XXXX  and/or Experian are attributing accounts reported under XXXX XXXX XXXX no suffix ) to me, XXXX XXXX XXXX XXXX XXXX XXXX  has responded to my prior complaint dated XX/XX/XXXX and attached all their documentation, which further has validated the accuracy of my claim. I have attached all of their documentation which all references " XXXX XXXX '' not my legal government ID and social security card issued name " XXXX XXXX XXXX ''. I have submitted this to them multiple times and yet the have failed to accurately review this information. No i am providing there own documentation sent to me dated XX/XX/XXXX so they now have no excuses or legal basis to stand on Using or reporting name-only matches ( or ignoring the Jr. suffix ) is not a reasonable procedure to assure maximum possible accuracy under the FCRA. The CFPB has explicitly warned that name-only matching ( or other inadequate matching ) violates the FCRAs accuracy mandate, and that mixed files commonly result when two consumers share similar names. 

What this means here : I am XXXX XXXX XXXX, XXXX. The disputed items show XXXX XXXX ( no suffix ). 

XXXX XXXX ( XXXX ) is deceased ( XX/XX/XXXX ) he obviously did not open any XXXX accounts. 

Any reliance on a name-only or suffix-omitted match is improper and creates a mixed file/identity error, which must be corrected and removed. 

2 ) FCRA/Reg V duties XXXX and Experian failed to meet a ) Identity theft blocking and notifications. When a consumer submits an Identity Theft Report and proper ID, CRAs must block the information within 4 business days and notify furnishers ; furnishers must have procedures to prevent re-reporting of blocked identity-theft information. 
Legal Information Institute b ) Furnisher accuracy, correction, and dispute duties ( FCRA 623 / 15 U.S.C. 1681s-2 ; Reg V ) .

A furnisher must not report information it knows or reasonably should know is inaccurate, must correct and update information, and must flag items as disputed when a consumer disputes them.

Legal Information Institute Upon direct dispute, a furnisher must conduct a reasonable investigation, review all relevant information the consumer provided, and finish within the 611 timeframe ( generally 30 days ). If the information is inaccurate, can not be verified, or is identity theft, the furnisher must modify, delete, or permanently block it.

Legal Information Institute Furnishers must maintain reasonable written policies and procedures to ensure accuracy/integrity of furnished data ( Reg V 1022.42 ) and honor direct disputes ( Reg V 1022.43 ). 
Consumer Financial Protection Bureau The CFPB has emphasized that shoddy or superficial investigations of disputes violate the law. 
Consumer Financial Protection Bureau XXXX ) Prohibition on selling/collecting identity-theft debt ( FCRA 615 ( f ) / 15 U.S.C. 1681m ( f ) ). Once notified under 605B that a debt resulted from identity theft, no person may sell, transfer, or place the debt for collection ( subject to limited exceptions ). Any collection by XXXX or continued placement while the identity-theft dispute remains unresolved is improper. 
Legal Information Institute Consumer Advice d ) Name-suffix accuracy in debt collection notices ( Reg F ). For any collection validation notice, the consumers full name including suffix must be used to avoid creating a false, misleading, or confusing impression about identity. Omission of XXXX fails this standard. 
Consumer Financial Protection Bureau 3 ) Why XXXX  XX/XX/XXXX you are responsible determination is inadequate XXXX says loan files bear my electronic signature, but provided no verifiable evidence that XXXX XXXX XXXX, XXXXopened, authorized, or benefited from these transactions. A reasonable investigation in an identity-theft dispute must review underlying evidence, not simply restate internal account screens. The CFPB has made clear that furnishers must conduct bona fide, reasonable investigations and can not dismiss disputes with cursory reviews. 

At a minimum, a reasonable investigation here would includeand has not yet producedthe following identity and authorization evidence tied to XXXX XXXX XXXX XXXX XXXX ( not merely XXXX XXXX XXXX : E-signature and consent audit logs ( timestamped, with IP addresses, device fingerprints, geolocation, and the exact name string captured at signature ). 

Account origination XXXX results XXXX phone/email ownership at origination ; SIM/device history ; address verification ; ID images and liveness checks ( if any ). 

Merchant-level artifacts for each XXXX Card transaction ( virtual card token and authorization records, merchant name/location, AVS/CVV results, in-store POS records, delivery/pickup addresses, refund logs ).

Any CRA notifications under 605B that these debts were reported as identity theft and the furnishers procedures to prevent re-reporting. 
Legal Information Institute Without this, XXXX has not met its 623 and Reg V duties and should not continue furnishing or collecting these tradelines. 
Legal Information Institute Consumer Financial Protection Bureau 4 ) Requested CFPB relief Immediate deletion/blocking of the four XXXX  tradelines ( XXXX ; XXXX ; XXXX ; XXXX ) from all CRAs as identity theft / mixed file / wrong consumer ; ensure no re-reporting. 
Legal Information Institute Cease collection & recall from XXXX pursuant to 615 ( f ) ; send written confirmation that these accounts will not be sold, transferred, or placed for collection. 
Legal Information Institute Name correction across all records to reflect my true legal name XXXX XXXX XXXX, XXXX and purge any records tied to XXXX XXXX ( deceased XX/XX/XXXX ) from my file. 
Consumer Financial Protection Bureau Provide to me and the CFPB the complete investigation file and authorization evidence listed in Section 3. 

Update to CRAs under 623 : mark prior reporting as inaccurate/identity theft, and confirm deletion or permanent block.

Legal Information Institute Written letters of deletion for my records. 

5 ) Timeline ( per XXXX  own statements ) accounts I did not open or authorize XXXX asserts four XXXX  Card loans were initiated in XXXX and later charged off in XX/XX/XXXX, then assigned to XXXX. I did not open or authorize these accounts, did not receive goods/services, and disputed them months ago with my FTC Identity Theft Report and government IDs. Any negative credit reporting and collections should now cease and be deleted as identity theft/mixed file. 



Government ID : Texas drivers license ( showing XXXX XXXX XXXX, XXXX ) and Social Security card. 

FTC Identity Theft Report XXXX XXXX ( XXXX ) died XX/XX/XXXX ( to establish that XXXX XXXX me ). 

Copies of prior disputes to Experian and XXXX ; XXXX XX/XX/XXXX email stating they found you responsible. 

Recent credit reports showing the four XXXX tradelines. 

Any collection letters/emails from XXXX that omit my suffix, contrary to Reg Fs validation-name requirement. 
Consumer Financial Protection Bureau Notes for the CFPB intake form ( short answers ) What happened? Identity theft/mixed file due to wrong legal nameXXXX/Experian matched items to XXXX XXXX ( no suffix XXXX instead of me ( XXXX XXXX XXXX, XXXX XXXX XXXX The person XXXX XXXX died on XX/XX/XXXX. 

What do you want the company to do? Delete/block all four tradelines as identity theft/mixed file ; recall from collections ; correct my legal name everywhere ; provide the investigation/authorization evidence ; and send deletion letters. 

When did you first notice? 

Have you contacted the company? Yesmultiple disputes to Experian and XXXX ; submitted FTC Identity Theft Report and IDs ; XXXX email dated XX/XX/XXXX denying my claim without proper proof. 

Supporting laws : FCRA 607 ( b ) ( accuracy ), 611 ( reinvestigation ), 623 ( furnisher duties incl. identity-theft procedures and direct disputes ), 605B ( identity-theft blocking ), 615 ( f ) ( no sale/collection of identity-theft debt ) ; Reg V 12 CFR Part 1022 ; CFPB Circular 2022-07 on reasonable investigations ; Reg F validation-name guidance ( suffix ).

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