Consumer complaint received 2025-05-01 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: NV

Complaint narrative:
I am requesting the Consumer Financial Protection Bureau ( CFPB ) to immediately take enforcement action against Equifax, Experian, and TransUnion for multiple and repeated violations of federal law. I submitted written disputes, identity theft documentation, and supporting materials over XXXX  days ago ( date of the letter ), and they failed to comply with statutory duties under the Fair Credit Reporting Act ( FCRA ) and related federal laws. This delay constitutes additional violations. 

Violations Committed : XXXX XXXX. XXXX, FCRA XXXX ( b ) : Failure to ensure maximum possible accuracy FCRA XXXX ( a ) ( XXXX ) ( A ) : Failure to investigate disputes within XXXX  days FCRA XXXX ( a ) ( XXXX ) : Failure to reinvestigate and issue findings XXXX XXXX. XXXX : Failure to notify consumer of alleged debts XXXX XXXX ( XXXX XXXX. XXXX ) : Failure to safeguard consumer information XXXX XXXX. XXXX : Identity theft and misuse of personal data XXXX XXXX. XXXX ( XXXX ) : Failure to provide victim assistance ( fraud alerts, recovery tools ) XXXX / CDIA Violations : Noncompliance with industry reporting standards Nevada Revised Statutes ( NRS ) : Violations related to identity theft and consumer fraud Fraudulent Accounts and Specific Violations XXXX Account Number : XXXX * * * * Laws Violated : Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX FCRA XXXX ( b ) ( Failure to Ensure Maximum Possible Accuracy ) FCRA XXXX ( a ) ( XXXX ) ( A ) ( Failure to Investigate ) FCRA XXXX ( a ) ( XXXX ) ( Failure to Reinvestigate ) Gramm-Leach-Bliley Act ( XXXX U.S.C. XXXX ) Identity Theft and Assumption Deterrence Act ( XXXX XXXX. XXXX ) FTC Identity Theft Resource Requirements ( XXXX XXXX. XXXX ( XXXX ) ) Nevada state identity theft laws ; XXXX XXXX Compliance & CDIA Guidelines Request : Immediate removal and permanent blocking of this account. 
CRDTONEBNK Account Number : XXXX * * * * Laws Violated : Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX FCRA XXXX ( b ) ( Failure to Ensure Maximum Possible Accuracy ) FCRA XXXX ( a ) ( XXXX ) ( A ) ( Failure to Investigate ) FCRA XXXX ( a ) ( XXXX ) ( Failure to Reinvestigate ) Gramm-Leach-Bliley Act ( XXXX U.S.C. XXXX ) Identity Theft and Assumption Deterrence Act ( XXXX XXXX. XXXX ) FTC Identity Theft Resource Requirements ( XXXX XXXX. XXXX ( XXXX ) ) Nevada state identity theft laws ; XXXX XXXX Compliance & CDIA Guidelines Request : XXXX removal and permanent blocking of this account. 
XXXX Account Number : XXXX * * * * Laws Violated : Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX FCRA XXXX ( b ) ( Failure to Ensure Maximum Possible Accuracy ) FCRA XXXX ( a ) ( XXXX ) ( A ) ( Failure to Investigate ) FCRA XXXX ( a ) ( XXXX ) ( Failure to Reinvestigate ) Gramm-Leach-Bliley Act ( XXXX U.S.C. XXXX ) Identity Theft and XXXX XXXX XXXX ( XXXX XXXX. XXXX ) FTC Identity Theft Resource Requirements ( XXXX XXXX. XXXX ( XXXX ) ) Nevada state identity theft laws ; XXXX XXXX Compliance & CDIA Guidelines Request : Immediate removal and permanent blocking of this account XXXX  Account Number : XXXX * * * * Laws Violated : Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX FCRA XXXX ( b ) ( Failure to Ensure Maximum Possible Accuracy ) FCRA XXXX ( a ) ( XXXX ) ( A ) ( Failure to Investigate ) FCRA XXXX ( a ) ( XXXX ) ( Failure to Reinvestigate ) Gramm-Leach-Bliley Act ( XXXX U.S.C. XXXX ) Identity Theft and Assumption Deterrence Act ( XXXX XXXX. XXXX ) FTC Identity Theft Resource Requirements ( XXXX XXXX. XXXX ( XXXX ) ) Nevada state identity theft laws ; XXXX XXXX Compliance & CDIA Guidelines Request : Immediate removal and permanent blocking of this account QUALITY XXXX Account Number : XXXX * * * * Laws Violated : Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX FCRA XXXX ( b ) ( Failure to Ensure Maximum Possible Accuracy ) FCRA XXXX ( a ) ( XXXX ) ( A ) ( Failure to Investigate ) FCRA XXXX ( a ) ( XXXX ) ( Failure to Reinvestigate ) Gramm-Leach-Bliley Act ( XXXX U.S.C. XXXX ) Identity Theft and Assumption Deterrence Act ( XXXX XXXX. XXXX ) FTC Identity Theft Resource Requirements ( XXXX XXXX. XXXX ( XXXX ) ) Nevada XXXX identity theft laws ; XXXX XXXX Compliance & CDIA Guidelines Request : Immediate removal and permanent blocking of this account XXXX  Account Number : XXXX * * * * Laws Violated : Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX FCRA XXXX ( b ) ( Failure to Ensure Maximum Possible Accuracy ) FCRA XXXX ( a ) ( XXXX ) ( A ) ( Failure to Investigate ) FCRA XXXX ( a ) ( XXXX ) ( Failure to Reinvestigate ) Gramm-Leach-Bliley Act ( XXXX U.S.C. XXXX ) Identity Theft and Assumption Deterrence Act ( XXXX XXXX. XXXX ) FTC Identity Theft Resource Requirements ( XXXX XXXX. XXXX ( XXXX ) ) Nevada state identity theft laws ; XXXX XXXX Compliance & CDIA Guidelines Request : Immediate removal and permanent blocking of this account XXXX XXXX XXXX Account Number : XXXX * * * * Laws Violated : Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX FCRA XXXX ( b ) ( Failure to Ensure Maximum Possible Accuracy ) FCRA XXXX ( a ) ( XXXX ) ( A ) ( Failure to Investigate ) FCRA XXXX ( a ) ( XXXX ) ( Failure to Reinvestigate ) Gramm-Leach-Bliley Act ( XXXX U.S.C. XXXX ) Identity Theft and Assumption Deterrence Act ( XXXX XXXX. XXXX ) FTC Identity Theft Resource Requirements ( XXXX XXXX. XXXX ( XXXX ) ) XXXX State Law on Identity Theft XXXX XXXX Compliance & CDIA Guidelines Request : I request immediate removal of all late payments. 


XXXX XXXX Account Number : XXXX * * * * Laws Violated : Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX FCRA XXXX ( b ) ( Failure to Ensure Maximum Possible Accuracy ) FCRA XXXX ( a ) ( XXXX ) ( A ) ( Failure to Investigate ) FCRA XXXX ( a ) ( XXXX ) ( Failure to Reinvestigate ) Gramm-Leach-Bliley Act ( XXXX U.S.C. XXXX ) Identity Theft and Assumption Deterrence Act ( XXXX XXXX. XXXX ) FTC Identity Theft Resource Requirements ( XXXX XXXX. XXXX ( XXXX ) ) XXXX  State Law on Identity Theft XXXX XXXX Compliance & CDIA Guidelines Request : I request immediate removal of all late payments. 
XXXX. XXXX Account Number : XXXX * * * * Laws Violated : Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX FCRA XXXX ( b ) ( Failure to Ensure Maximum Possible Accuracy ) FCRA XXXX ( a ) ( XXXX ) ( A ) ( Failure to Investigate ) FCRA XXXX ( a ) ( XXXX ) ( Failure to Reinvestigate ) Gramm-Leach-Bliley Act ( XXXX U.S.C. XXXX ) Identity Theft and Assumption Deterrence Act ( XXXX XXXX. XXXX ) FTC Identity Theft Resource Requirements ( XXXX XXXX. XXXX ( XXXX ) ) XXXX  State Law on Identity Theft XXXX XXXX Compliance & CDIA Guidelines Request : I request immediate removal of all late payments. 
Fraudulent Inquires ( Not Associated with Me ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others Please remove these inquiries from my file. 
Incorrect Addresses ( Not Associated with Me ) XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX Please remove these addresses from my file. 
Incorrect Employers ( Never Affiliated With Me ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Names Reported Requested Relief from the CFPB : Enforce immediate removal and blocking of all fraudulent accounts listed above. 
Compel deletion of all unauthorized hard inquiries. 
Mandate removal of inaccurate personal information, including addresses and employers. 
Require written confirmation from all three credit bureaus, including updated credit reports. 
Ensure that identity theft protections ( e.g., fraud alerts ) are implemented as required by law. 
Initiate investigation and sanctions for failure to comply with FCRA deadlines. 
Fine or discipline bureaus for their willful neglect of legal obligations. 

Supporting Documentation Previously Submitted to Bureaus : Government-issued photo ID Social Security card Police report documenting identity theft Proof of current address Original dispute letters dated XX/XX/year> Declaration : I affirm under penalty of perjury that the statements made in this complaint are accurate and true to the best of my knowledge. I respectfully request urgent enforcement by the CFPB to protect my rights and remove damaging, false, and fraudulent information from my credit reports.

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