Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and this letter is a formal second submission and aggressive follow-up to a complaint originally submitted on XX/XX/XXXX, under CFPB Case # XXXX regarding identity theft, credit reporting violations, and Equifaxs failure to comply with the Fair Credit Reporting Act ( FCRA ). 

Despite furnishing a complete police report, identity theft affidavit, and dispute documentation, Equifax has failed to appropriately delete or suppress the fraudulent accounts listed in my credit file. Instead, they returned a response claiming verification on accounts that I did not open, authorize, or benefit from. This is a direct violation of the FCRA, specifically : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of the information furnished ; 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation with all submitted documentation ; 15 U.S.C. 1681c ( a ) ( 45 ) : Continued reporting of Department of Education accounts aged over 11 to 13 years ( as shown in the Equifax screenshots ) violates the 710 year federal limits ; 15 U.S.C. 1681c-2 : Failure to block information identified as the result of identity theft despite receiving valid ID theft reports and police documentation ; 15 U.S.C. 1692g and 1692c : Failure to cease collection and communication after being informed of identity theft, causing ongoing stress and financial harm. 

Accounts That Must Be Immediately Removed or Blocked Due to Identity Theft : XXXX. XXXX XXXX  Account # : XXXX XXXX, {$3100.00} XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX, {$11000.00} XXXX. XXXX  XXXX ( XXXX ) Account # XXXX : XXXX, XXXX Charged-Off Balances : {$1500.00}, {$1900.00}, {$2500.00} XXXX. XXXX XXXX XXXX Account # : XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX {$260.00} XXXX  XXXX XXXX. Dept. of Education / XXXX ( multiple ) Accounts # : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Ages : XXXX to XXXX XXXX XXXX All reporting {$0.00} payments and no delinquency yet harming my credit utilization and history. 

As stated in the screenshots attached, the Dept. of Ed accounts are over a decade old, and several pre-date XXXX. These aged accounts should not be continuing to report based on FCRA 1681c, and they must be deleted or suppressed immediately, especially since the Department of Education has provided student loan forgiveness options and waivers under federal policy over the past 5 years, including during the COVID-19 pandemic and the Trump-era pause and adjustment periods. 

You are required under federal law to block any account that has been confirmed as fraudulent within four business days of receiving proper documentation. I have satisfied this requirement. 

If these items are not removed within 15 business days, I will escalate this matter to the Office of the Attorney General for the State of Illinois, the FTC, and explore civil litigation options under FCRA and FDCPA statutes.

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