Consumer complaint received 2025-08-14 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: GA

Complaint narrative:
On XX/XX/year>, I provided TransUnion, Equifax, and Experian with a police report and a proof of data breach letter documenting identity theft. My correspondence included a written dispute of specific accounts appearing on my credit file, with the express request for removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), consumer reporting agencies are required to conduct a reasonable investigation of disputed information and provide the results of such investigation to the consumer within 30 days ( extendable to 45 days if additional information is provided ). Furthermore, FCRA 611 ( a ) ( 6 ) requires that, upon completion of the investigation, the agencies provide written notice of the determination, including the method of verification. 



It has now been over 60 days since my submission, yet : The disputed items remain on my credit reports. 
No proof of accuracy, verification, or detailed investigation results have been provided. 
This constitutes a failure to comply with both FCRA 611 ( failure to complete investigation and provide results ) and FCRA 623 ( failure of furnishers to accurately report information ). 




Requested Relief : I am requesting that the CFPB direct TransUnion, Equifax, and Experian to immediately delete all disputed accounts identified in my XX/XX/year> submission, as they have failed to meet the statutory requirements for reinvestigation and verification under the FCRA. 

Because my personal information was compromised due to the Equifax breach, any negative accounts, inquiries, or other derogatory items arising from fraud or identity theft linked to the breach are inaccurate by definition. Equifax is therefore legally obligated to : Immediately remove any accounts or inquiries that were a result of identity theft stemming from the breach. 
Provide written confirmation of deletion or correction, including the method of verification used to validate accuracy, as required by FCRA 611 ( a ) ( 6 ). 
Ensure that these deletions are reflected across all reporting to third parties, including lenders and other agencies. 




Failure to comply constitutes willful violation of the FCRA, which carries potential liability under 15 U.S.C. 1681n for actual or statutory damages. 



Requested Action : I hereby demand the removal of all negative reporting and accounts on my credit file tied to identity theft resulting from the Equifax breach and a written confirmation of such deletions within 30 days, in accordance with FCRA requirements. 



Please consider this a formal demand to correct my credit report to reflect accurate information and remove any errors stemming from the breach. 



The credit reporting laws require them to complete an investigation within 3045 days and send me their results. Since they failed to do that, I am asking the CFPB to have the bureaus remove all disputed accounts immediately. All inquiries addresses credit collection service for {$280.00} XXXX XXXX XXXX funding /XXXX  XXXX XXXX  is to be removed or the credit bureaus will be sued as I am a XXXX XXXX XXXX XXXX and XXXX XXXX with

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