Consumer complaint received 2025-02-28 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: FL

Complaint narrative:
I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) and demanding immediate corrective action. The following specific violations have occurred : Violation of Section 604 ( 15 U.S.C. 1681b ) - Permissible Purposes of Consumer Reports : The unauthorized inquiries on my credit report constitute a clear violation of Section 604, as these inquiries were not initiated for a permissible purpose as defined by the FCRA. I did not authorize these entities to access my credit information. 

Violation of Section 605 ( 15 U.S.C. 1681c ) - Information Included in Consumer Reports : The inclusion of fraudulent collection accounts and unauthorized inquiries violates Section 605, as these items are inaccurate and can not be verified as legitimate debts or permissible inquiries. Specifically, the collection accounts related to debts included in an active bankruptcy litigation are factually incorrect and legally impermissible.

Violation of Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) - Accuracy of Report : Equifax has failed to maintain reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.1 The presence of fraudulent information directly resulting from the XXXX data breach demonstrates a systemic failure to uphold this obligation. 


Violation of Section 611 ( 15 U.S.C. 1681i ) - Procedure in Case of Disputed Accuracy : I am formally disputing the accuracy of the aforementioned fraudulent inquiries and collection accounts. Equifax and the associated furnishers of information are required to conduct a thorough investigation and remove all disputed items that can not be verified. Their failure to do so will constitute a further violation of this section. 

Violation of Section 616 ( 15 U.S.C. 1681n ) - Civil liability for willful noncompliance : Equifax 's gross negligence in the XXXX data breach, and subsequent failure to correct the resulting fraudulent activity, constitutes willful noncompliance with the FCRA. I reserve the right to pursue civil action for damages resulting from this willful noncompliance. 

Violation of Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) - Duty of Furnishers of Information : The furnishers of information, including the collection agencies and original creditors, have violated their duty to provide accurate information. They have continued to report information that is known to be inaccurate and disputed, particularly regarding debts included in active litigation. 

List of Inquires to be Removed : 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 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 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 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 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  I demand immediate action to rectify these violations. I expect a comprehensive investigation, the removal of all fraudulent items, and written confirmation of these actions. Furthermore, I expect Equifax to implement enhanced security measures to prevent future data breaches and protect consumer information.

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