Consumer complaint received 2025-02-02 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 against Bureaus for flagrant and ongoing violations of federal and state consumer protection laws. Despite multiple disputes regarding fraudulent and inaccurate accounts that were opened without my knowledge or consent, Bureaus has failed to take corrective action to remove them and fix them and corrects the inaccurate accounts that are all in lots of violations even their accounts numbers are different on every single bureau and open dates and active dates and limits and terms they are all inaccurate and different on every bureau someone has to hold them accountable iam a single mother with babies and i work hard to make it and the bureaus are destroying my life financially i knew about all this mess when i tried to buy a house found many weird names and addresses and accounts that i don't recognize and someone has my information i dont know even know if its my x husband or an x roommate i filed a police report and I've been trying to request contracts and signatures to know who is using my name for over a month and no response like its not even my concern this is too much. This constitutes a blatant disregard for consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable laws. The Consumer Financial Protection Bureau ( CFPB ) must enforce immediate compliance and hold Bureaus accountable for its violations.

Violations Identified : Failure to Notify of Debt Validation - Creditors must provide written notification of debts within five days under 15 U.S.C. 1692g. The absence of such notification renders these accounts null and void.

Failure to Ensure Accuracy - Under FCRA 607 ( b ), credit bureaus must ensure maximum accuracy. Discrepancies in balances, credit limits, open dates, and payment histories constitute systemic violations of this law. 

Failure to Investigate Disputes in a Timely Manner - FCRA 611 ( a ) ( 1 ) ( A ) mandates that Bureaus investigate disputes within 30 days. Bureaus has failed to comply with this statutory deadline, warranting immediate regulatory action.

Failure to Reinvestigate Inaccurate Accounts - FCRA 611 ( a ) ( 6 ) requires reinvestigation if the consumer disputes the resolution of a claim. My disputes remain unresolved, proving continued noncompliance.

Failure to Protect Personal Information - The Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ) requires institutions to safeguard consumer data. Bureaus failure to prevent fraudulent accounts indicates a serious security breach.

Failure to Provide Identity Theft Resources - FTC guidelines under 15 U.S.C. 1681g ( e ) require bureaus to assist identity theft victims with fraud alerts and support. Bureaus has refused to provide this legally mandated assistance.

State Law Violations - Under Florida law, identity theft is a criminal offense. Bureaus failure to remove fraudulent accounts violates state-level protections, necessitating legal repercussions. 

Fraudulent Accounts and Inaccuracies : XXXX XXXX - Account Number : XXXX XXXX/XXXX  - Account Number : XXXX XXXX XXXX  - Account Number : XXXX XXXX  - Account Number : XXXX  XXXX  - Account Numbers : XXXX, XXXX, XXXX XXXX XXXX  - Account Number XXXX XXXX XXXX - Account Number : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX Unauthorized Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Incorrect Names and Addresses on My Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' " XXXX XXXX '' " XXXX XXXX '' Incorrect addresses that must be removed : XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX Employment Records to be Removed : XXXX XXXX XXXX XXXX Requested Relief : Mandatory Removal and Blockage XXXX The CFPB must enforce the immediate deletion and permanent blockage of all fraudulent accounts, inquiries, and incorrect personal information. 
Official Confirmation of Removals - Bureaus must provide a certified written response confirming the removal of fraudulent accounts and an updated copy of my credit report.

Enforcement of Identity Theft Protections- The CFPB must mandate Bureaus to implement fraud alerts, identity theft victim support, and full compliance with FCRA and FDCPA regulations.

Full-scale Investigation and Sanctions - Bureaus systemic failures necessitate a thorough regulatory review, potential monetary penalties, and mandated operational reforms to prevent future violations. 

Supporting Documents Enclosed : Government-issued ID Social Security card Police reports related to identity theft Proof of address Conclusion : Bureaus blatant disregard for legal obligations under federal and state laws has caused significant financial harm and distress. Given its continued refusal to comply, I demand that the CFPB take immediate enforcement action to ensure compliance, hold Bureaus accountable, and prevent further violations of my consumer rights. 

Sincerely, 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