Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
I am submitting this formal complaint due to Experian, TransUnion, and Equifax continuing to report inaccurate, fraudulent, and unverifiable accounts on my credit reports in violation of multiple consumer protection laws, including : - Fair Credit Reporting Act ( FCRA ) 602, 604, 605, 607 ( b ), 609, 611, and 623 - Fair Debt Collection Practices Act ( FDCPA ) - Gramm-Leach-Bliley Act ( GLBA ) - Consumer Financial Protection Act ( CFPA ) - California Consumer Privacy Act XXXX CCPA ) - Recent federal rulings including XXXX XXXX TransUnion LLC My personally identifiable information ( PII ) was exposed during the Equifax data breach in XX/XX/XXXX, resulting in identity theft and unauthorized use of my personal data. These companies have continued to report the following accounts after being informed of the breach, the identity theft, and multiple disputes : XXXX. XXXX XXXX XXXX ( Reported by Experian, TransUnion, and Equifax ) - Disputed : XX/XX/XXXX and XX/XX/XXXX - Reported with multiple 30, 60, and 90-day late payments. No permissible purpose. No contract produced. 
Violates FCRA 604 and 609. 
XXXX XXXX XXXX XXXX ( Reported by Experian, TransUnion XXXX and Equifax XXXX - Disputed : XX/XX/XXXX and XX/XX/XXXX - Late payments reported. No signed agreement provided. Violates FCRA 609, 611. 
XXXX. XXXX XXXX XXXX ( Reported by Experian and Equifax ) - Disputed : XX/XX/XXXX and XXXX XXXX, XXXX - Fraudulent account, no verification. Violates FCRA 623 ( b ). 
XXXX. XXXX XXXX ( Reported by Experian and TransUnion ) - Disputed : XX/XX/XXXX and XXXX XXXX, XXXX - Unverified account, no signed contract. Violates FCRA 604. 
XXXX. XXXX XXXX - Collection by XXXX XXXX XXXX ( Reported by Experian, TransUnion, and Equifax ) - Disputed : XX/XX/XXXX and XX/XX/XXXX - Never had an account. Fraudulent. Violates FDCPA 809 and FCRA 611. 
XXXX. XXXX  XXXX XXXX - Collection by XXXX XXXX  ( Reported by Experian and Equifax ) - Disputed : XX/XX/XXXX and XXXX XXXX, XXXX - No documentation. Fraudulent. Violates FDCPA and FCRA 609, 623. 
XXXX. XXXX XXXX - Collection by XXXX XXXX  ( Reported by Experian, TransUnion, and Equifax ) - Disputed : XX/XX/XXXX and XX/XX/XXXX - No authorization or proof. Violates FCRA 604, 609 Requested Relief : - Permanent deletion of these accounts from all credit reports. 
- Cease-and-desist all unauthorized data reporting/sharing. 
- Full investigation of FCRA and FDCPA violations. 
These accounts were never validated per law, and the continued reporting after notice of fraud and identity theft is damaging and unlawful. 

These actions have caused me financial hardship, credit denials, and emotional distress. I demand immediate corrective action and request enforcement of my consumer protection rights.

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