Consumer complaint received 2025-10-27 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: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Third Notice Ongoing Violations of FCRA and Credit Reporting Policies Related to Identity Theft To Whom It May Concern, I am writing to formally submit a complaint regarding continued violations of the Fair Credit Reporting Act ( FCRA ) by four collection agencies and the credit reporting bureaus displaying their information. This is my third notice to the credit reporting companies regarding this matter. Despite previous communications, the disputed accountsclearly linked to identity theftremain on my credit reports beyond the legally permitted timeframe. 

I understand that an FTC Identity Theft Report is typically used to initiate disputes under FCRA 605B. However, in its absence, the law still provides protections and obligations that credit reporting agencies and furnishers must follow. The following provisions of the FCRA are being violated : Violated Provisions of the FCRA 15 U.S.C. 1681c-2 ( Section 605B ) Blocking of Information Resulting from Identity Theft Requires consumer reporting agencies to block identity theft-related information within four business days of receiving a valid request. This includes a police report or other documentation. The continued display of these accounts beyond this period is a direct violation. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty of Furnishers to Provide Accurate Information Furnishers ( collection agencies ) must not report information they know or have reason to believe is inaccurate. Once notified of identity theft, they are obligated to cease reporting the disputed accounts.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Reinvestigation of Disputed Information Credit reporting agencies must conduct a reasonable reinvestigation within 30 days of receiving a dispute. Failure to remove fraudulent accounts after multiple notices suggests noncompliance.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Deletion of Disputed Information If disputed information is found to be inaccurate or unverifiable, it must be deleted from the consumers file. The continued presence of these accounts indicates a failure to comply.

15 U.S.C. 1681e ( b ) Maximum Possible Accuracy Credit reporting agencies are required to maintain procedures to ensure the maximum possible accuracy of the information they report. Retaining identity theft-related accounts undermines this standard.

Summary of Violations Four collection agencies have failed to cease reporting fraudulent accounts.

Credit reporting agencies have continued to display these accounts beyond the 45 business day window required by law.

This is the third formal notice regarding these violations.

The absence of an FTC report does not absolve these entities from their legal obligations under the FCRA. 

I respectfully request that the CFPB investigate these violations and take appropriate enforcement action. I am prepared to provide supporting documentation, including police reports, prior dispute letters, and credit reports showing the continued presence of fraudulent accounts. 

Thank you for your attention to this matter.

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