Consumer complaint received 2025-06-13 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: NC

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 30 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 : 15 U.S.C. 1681, FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 1 ) ( A ) : Failure to investigate disputes within 30 days FCRA 611 ( a ) ( 6 ) : Failure to reinvestigate and issue findings 15 U.S.C. 1692g : Failure to notify consumer of alleged debts Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) : Failure to safeguard consumer information 18 U.S.C. 1028 : Identity theft and misuse of personal data 15 U.S.C. 1681g ( e ) : Failure to provide victim assistance ( fraud alerts, recovery tools ) XXXX / CDIA Violations : Noncompliance with industry reporting standards North Carolina Identity Theft Protection Act ( N.C. Gen. Stat. 75-60 to 75-70 ) : Failure to protect personal identifying information and respond properly to identity theft North Carolina Unfair and Deceptive Trade Practices Act ( N.C. Gen. Stat. 75-1.1 ) : Engaging in unfair or deceptive acts in commerce, including inaccurate or misleading consumer reporting Fraudulent and Inaccurate Accounts to Be Removed XXXX. XXXX XXXX Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) XXXX XXXX XXXX Reporting format violations NC Law : N.C. Gen. Stat. 75-1.1 DEMAND : Immediate deletion and blocking under FCRA 1681c-2 2. DNF ASSOC ( ORIGINAL CREDITOR : XXXX THE XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) XXXX XXXX XXXX Reporting format violations NC Law : N.C. Gen. Stat. 75-1.1 DEMAND : Immediate deletion and blocking under FCRA 1681c-2 3. CHAPTER 7 BANKRUPTCY Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) XXXX XXXX XXXX Reporting format violations NC Law : N.C. Gen. Stat. 75-1.1 The bankruptcy entry listed under this account contains numerous violations of the Fair Credit Reporting Act ( FCRA ) and North Carolina state consumer protection laws. First, the date filed is reported inconsistently : TransUnion and Experian list it as XX/XX/XXXX, while Equifax reports XX/XX/XXXX, in violation of FCRA 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy.

Additionally, the reference numbers reported across the bureaus do not match ( XXXX, XXXX XXXX XXXX ) , violating FCRA 611 ( a ) ( 1 ) ( A ), which mandates that information must be verifiable when dispu
ted. Equifax is also missing the closing date altogether, violating FCRA 609 ( a ) ( 1 ), which guarantees a consumers right to complete and accurate file disclosure.

The court names are reported inconsistently as wellTransUnion lists " U.S. Bankruptcy Court, '' Experian lists " US BKPT CT VA NORFOLK, '' and Equifax vaguely lists only " Federal '' again violating FCRA 607 ( b ) and 15 U.S. Code 1681e ( b ), which requires reasonable procedures to ensure accuracy. These inconsistencies could also point to a possible mixed file or fragmented reporting, which is a serious error under FCRA 607 ( b ).

Furthermore, this inaccurate reporting constitutes a deceptive and unfair practice under the North Carolina Unfair and Deceptive Trade Practices Act ( UDTPA ), N.C. Gen. Stat. 75-1.1, which prohibits misrepresentation and inaccuracy in consumer reporting.

As a result, I am requesting that this account either be corrected to reflect fully accurate, consistent, and verifiable information across all bureaus, or be deleted entirely from my credit file in compliance with federal and state laws. 


Fraudulent Inquiries to Remove XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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/XXXX 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