Consumer complaint received 2025-05-13 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 the victim of identity theft and have discovered multiple fraudulent, inaccurate, and unauthorized accounts and inquiries appearing on my credit reports with Experian, Equifax, and TransUnion. These bureaus have failed to comply with numerous obligations under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act ( GLBA ), XXXX XXXX Data Reporting Standards, and XXXX Deceptive and Unfair Trade Practices Act ( XXXX ). 

Despite my formal disputes and documentationincluding my government ID, police report, and proof of addressthese bureaus continue to report unverifiable and fraudulent data, reinserting deleted accounts and ignoring reinvestigation requirements. 

Violations Committed Across All Bureaus : Failure to Notify of Debt 15 U.S.C. 1692g ( a ) Failure to Ensure Accuracy 15 U.S.C. 1681e ( b ) Failure to Investigate Disputes 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Reinvestigate When Challenged 15 U.S.C. 1681i ( a ) ( 6 ) Failure to Validate Debt After Dispute 15 U.S.C. 1692g ( b ) Failure to Provide Disclosure of Verification 15 U.S.C. 1681g Unlawful Reinsertion of Deleted Items 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to Protect Private Data 15 U.S.C. 6801 ( b ), 6802 ( a ) Failure to Apply Identity Theft Protections 15 U.S.C. 1681g ( e ) XXXX XXXX Compliance Violations : All listed tradelines contain inconsistencies in payment history, account numbers, dates, and balance reporting, in direct violation of the XXXX XXXX XXXX Format required for compliance with FCRA 1681e ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Deceptive and unfair reporting practices. 

XXXX XXXX. XXXX ( XXXX ) ( c ) Misrepresentation of tradeline legitimacy. 

XXXX XXXX. XXXX ( XXXX ) Failure to correct errors after being notified. 

Disputed Accounts Fraudulent and Unverified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each of the above tradelines violates the following statutes : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681i ( a ) ( 5 ) ( B ), 1681s-2 ( b ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) XXXX XXXXXXXX ( XXXX ), XXXX ( XXXX ) ( c ), XXXX ( XXXX ) Fraudulent Inquiries to Be Removed ( Across All Bureaus ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were made without my consent or permissible purpose, violating FCRA 1681b and FDCPA 1692e.

Requested CFPB Enforcement Actions : Enforce Immediate Deletion and Permanent Blocking of the fraudulent accounts and inquiries listed above under FCRA 1681c-2. 

Compel the Bureaus to Provide Full Disclosure of all verification documents under FCRA 1681g.

Mandate Written Confirmation of Removals and updated reports from all three bureaus.

Investigate Reinsertion Violations without certification or consumer notice in violation of FCRA 1681i ( a ) ( 5 ) ( B ).

Impose Civil Penalties for willful violations under FCRA 1681n and 1681o. 

Supporting Documents Submitted to the Bureaus ( and available upon request ) : Government-Issued ID Police Report ( identity theft ) Utility Bill ( proof of address ) Social Security Card Conclusion : I respectfully request the CFPB to investigate and enforce full compliance by Equifax, Experian, and TransUnion, and to protect my rights as a consumer under federal law. These bureaus have caused me significant financial and emotional harm by refusing to take corrective action, and their continued failure to act merits regulatory enforcement.

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