Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
Complaint Summary I am submitting this complaint because multiple consumer reporting agencies and specialty credit bureaus are reporting inaccurate, unverifiable, and identity-theftrelated data that has damaged my personal and business creditworthiness. Despite multiple disputes and verification demands, the bureaus have failed to properly investigate, delete, or block the fraudulent information as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 605B, 607 ( b ), 609 ( a ), 611, and related provisions.

I am requesting the CFPBs assistance to ensure compliance and enforcement. 

Parties Involved The following consumer reporting agencies and data furnishers are impacted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( managed by Equifax ) Background / Timeline On XX/XX/year>, I discovered multiple credit and specialty-bureau files containing false or inconsistent data tied to accounts I did not open. 

I filed a verified FTC Identity Theft Report ( XXXX XXXX. XXXX ) and submitted formal FCRA disputes and reinvestigation requests to all affected bureaus. 

I also provided proof of identity, address verification, and highlighted report pages showing the discrepancies. 

Despite this, certain agencies either failed to respond within the XXXX statutory period or returned form letters claiming verified results without providing a lawful XXXXXXXX XXXX XXXXXXXX ( XXXX  ). 

As a result, the same inaccurate tradelines, inquiries, and mixed-file identifiers remain, causing repeated denials for banking, lending, and business-credit products. 

Violations Claimed 605B Failure to block identity-theft-related information after receiving an FTC ID-theft affidavit.

607 ( b ) Failure to maintain maximum possible accuracy of consumer data.

611 ( a ) Failure to conduct a reasonable reinvestigation and provide the furnisher/member-code documentation used to verify disputed items.

609 ( a ) Failure to disclose complete file data and furnish clear information about the sources of the data. 

611 ( a ) ( 5 ) ( B ) Improper reinsertion of deleted items without required XXXX written notice and furnisher certification. 

Specific Examples of Harm Tradelines such as XXXX, XXXX  & XXXX XXXX, XXXX, XXXX, and XXXX  XXXX show XXXX balances, limits, and statuses across bureaus. 

Banking databases ( XXXX, XXXX, XXXX ) list unverifiable or fraudulent closures that prevent me from opening legitimate checking accounts. 

XXXX and XXXX files contain outdated or mismatched identifiers that are producing false risk signals for lenders. 

Several inquiries were made without my authorization, violating 604 of the FCRA.

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