Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Identity Theft, Inaccurate Reporting, and Noncompliance with Federal Law I, XXXX XXXX XXXX, am filing this complaint against Experian, TransUnion, and Equifax ( as applicable ), as well as the furnishers : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, for knowingly reporting fraudulent and inaccurate accounts and failing to comply with federal consumer protection laws. The following accounts are fraudulent and were never authorized by me : XXXX XXXX XXXX Account XXXX in XXXX {$1000.00} XXXX XXXX XXXX XXXX90.00} - XXXX XXXXXXXX XXXX XXXX Fraudulent account {$0.00} In addition, my reports contain fraudulent addresses and inquiries that do not belong to me. 

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 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 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 XXXXXX/XX/XXXX Violations of Law- FCRA 605B ( 15 U.S.C. 1681c-2 ) : CRAs must block identity theft information within 4 business days of receiving an FTC Identity Theft Report and supporting documentation.- FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : CRAs must follow reasonable procedures to assure maximum possible accuracy of consumer reports.- FCRA 611 ( 15 U.S.C. 1681i ) : CRAs must conduct a reasonable reinvestigation of disputed information. Failure to remove fraudulent accounts after proper disputes is noncompliance.- FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) : Furnishers are prohibited from reporting information they know or should know is inaccurate.- FCRA 623 ( a ) ( 3 ) : Furnishers must correct and update incomplete or inaccurate information.- FDCPA 807 ( 15 U.S.C. 1692e ) : Debt collectors may not use false, deceptive, or misleading representations, including attempting to collect on debts not owed.

Requested Resolution 1. Immediate and permanent deletion of all fraudulent accounts, inquiries, and inaccurate addresses from all consumer reporting agencies.

2. Written confirmation from the CRAs and furnishers that the information has been deleted and will not be reinserted.

3. Enforcement action by the CFPB to ensure compliance with the FCRA and FDCPA by all parties involved. 
Conclusion I have already submitted an FTC Identity Theft Report ( # XXXX ) and attached supporting documentation. Despite this, the fraudulent accounts remain. I request the CFPB enforce the law and hold these entities accountable.

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