Consumer complaint received 2025-05-27 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: MI

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 605B, 1681e ( b ), 1681i, and 1681s-2 ( b ) ; the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 68016802 ; the XXXX  Consumer Protection Act ( MCPA ), MCL 445.903 ; and the XXXX  Identity Theft Protection Act ( MITPA ), MCL 445.72, by unlawfully reporting and disclosing trust-held assets of XXXX  XXXX  XXXX XXXX , a revocable common law trust formed in XXXX, as personal consumer information on my credit report. As Grantor and Trustee, I am the authorized representative of the trust, as evidenced by the attached Certificate of Common Law Trust ( dated XX/XX/XXXX, with Schedule A ). The identifiersXXXX XXXX XXXX ( registered to XXXX XXXX XXXX, XXXX, filed XX/XX/XXXX ) and Social Security Number ending in XXXXare trust-held assets, as confirmed by Schedule A ( items 1, 56 ), and were never authorized for consumer credit reporting or disclosure. Signature variations reflect trust-held identifiers, as documented in Schedule A. 

On XX/XX/XXXX, I filed disputes via the Consumer Financial Protection Bureaus complaint portal, enclosing my FTC Identity Theft Report ( No. XXXX ), trust certificate with XXXX XXXX XXXX XXXX XXXX XXXX, and a statement that the disputed information does not relate to my personal transactions. Under FCRA 605B ( a ), the CRAs were required to block the following accounts from my personal credit report within XXXX business days ( by XX/XX/XXXX ) : XXXX. XXXX XXXX XXXX  Acct. # XXXX XXXX. XXXX XXXX XXXX Acct. # XXXX XXXX. XXXX XXXX  XXXX Acct XXXX # XXXX XXXX. XXXX XXXX  Acct. # XXXX XXXX. XXXX XXXX Acct. # XXXX XXXX. XXXX XXXX  Accts. # XXXX and # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX, # XXXX, # XXXX The CRAs have not confirmed blocking, violating FCRA 605B ( a ). Experians XX/XX/XXXX, email claimed additional information justified reinsertion but violated 605B ( c ) ( 2 ) by failing to specify the : 1 ) Statutory exception, 2 ) Affected accounts, 3 ) Furnisher details, or 4 ) Signed authorization. TransUnions and Equifaxs interim responses ( undated, via CFPB ) lack substantive action, risking 1681i ( a ) ( 1 ) noncompliance if reinvestigation is not completed by XX/XX/XXXX ( XXXX  days from XX/XX/XXXX ). 

The CRAs have not confirmed blocking, violating FCRA 605B ( a ). Experians XX/XX/XXXX, email claimed additional information justified reinsertion but violated 605B ( c ) ( 2 ) by failing to specify the statutory exception, affected accounts, furnisher details, or signed authorization. TransUnions and Equifaxs interim responses ( undated, via CFPB ) lack substantive action, risking 1681i ( a ) ( 1 ) noncompliance if reinvestigation is not completed by XX/XX/XXXX ( XXXX  days from XX/XX/XXXX ). 

I disputed these accounts with furnishers via Cease and Desist demands ( XXXX XXXX XXXX ) and CFPB complaints ( IDs : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ), asserting they are trust-held and inaccurately reported. XXXX ( ID : XXXX, XX/XX/XXXX ) ceased communications as of XX/XX/XXXX, yet CRAs continue reporting, violating FCRA 1681s-2 ( b ). XXXX ( ID : XXXX, XX/XX/XXXX ) ceased communications but upheld reporting, which is unverifiable given Schedule A. XXXX ( XXXX : XXXX, XXXX, XX/XX/XXXX ) and XXXX  XXXX ( ID : XXXX, XX/XX/XXXX ) are under review, and XXXX ( ID : XXXX ) was referred to the OCC. CRAs failure to reflect furnisher actions or reinvestigate violates FCRA 1681s-2 ( b ) and 1681i. 

The CRAs violated GLBA 6802 by disclosing my nonpublic personal information ( NPI ) trust-held identifiersto furnishers and third parties ( e.g., XXXX XXXX XXXXXXXX XXXX denying my {$3000.00} loan on XX/XX/XXXX ) without consent as Trustee. Their failure to verify trust-held status violates GLBAs Safeguards Rule ( 16 C.F.R. Part 314 ). The CRAs misreporting constitutes deceptive practices under MCPA XXXX45.903 ( 1 ) ( s ), ( bb ) and identity theft under MITPA 445.72, as my FTC report confirms unauthorized use. 

As Trustee, I am unable to effectively operate XXXX  XXXX XXXX XXXX due to the CRAs fraudulent reporting of trust-held identifiers as personal consumer data, resulting in low credit scores and significant operational disruptions : The trusts ability to secure housing necessary for its operations is severely impaired, as my lease, critical for trust activities, ends in XX/XX/XXXX, and low credit scores ( Experian : XXXX, Equifax : XXXX, TransUnion : XXXX ), caused by the CRAs erroneous reporting, prevent me from obtaining new leasing agreements on behalf of the trust. 
In XX/XX/XXXX, I was compelled, as Trustee, to secure an automobile loan with XXXX at a XXXX XXXX XXXX to support trust operations, incurring thousands in excessive interest costs that drain trust resources and hinder other essential activities. 
On XX/XX/XXXX, XXXX XXXX XXXX denied a {$3000.00} loan application I submitted on behalf of the trust, critical for funding trust projects and investments, due to the CRAs fraudulent reporting, significantly limiting the trusts financial options. 

These harms satisfy TransUnion XXXX v. XXXX ( XXXX ) standing. Precedents like XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  and XXXX, XXXX ) and XXXX XXXX Experian ( XXXX ) hold CRAs liable for misreporting fraudulent accounts. The CRAs violations constitute willful noncompliance under FCRA 1681n, exposing them to statutory damages ( {$100.00} {$1000.00} per violation under FCRA ; {$250.00} under MCPA ; {$1000.00} under MITPA ), actual damages, and punitive damages.

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