Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
CFPB Complaint Credit Report Inaccuracies, Identity Theft, and Noncompliance Subject : Failure to Update Personal Information, Investigate Identity Theft, and Provide Method of Verification Statement of Complaint I am submitting this complaint to formally report that the three major credit reporting agenciesExperian, TransUnion, and Equifaxhave failed to correct inaccurate personal information, despite multiple requests through written correspondence, phone calls, and online submissions.

In addition, there are significant inconsistencies and discrepancies across my credit reports, which strongly suggest possible identity theft and noncompliance with federal consumer protection laws. 

I. Request for Deletion and Update of Personal Information Despite repeated written and documented requests, the credit reporting agencies have not corrected or deleted outdated, inaccurate, or unauthorized information in the following areas : Full Legal Name Only the correct and verified legal name should appear on the report. 
Address History Multiple old and irrelevant addresses remain on file, some of which are associated with instances of identity theft.

Phone Numbers Outdated and unauthorized numbers are still being reported.

Employer Section Incorrect and obsolete employer information continues to appear.

Sensitive Information The bureaus have failed to adequately protect and limit access to Social Security numbers and dates of birth.

These inaccuracies not only violate my privacy but also make me vulnerable to identity theft and ongoing credit harm.

II. Inconsistencies Across Credit Reports Upon reviewing the three credit reports, I identified multiple discrepancies that appear to be caused by reporting errors or fraudulent activity : Account Number Mismatches : The same accounts display different numbers across bureaus.

Payment Status Variations : Different payment histories are being reported for the same accounts.

Address Differences : The address listings across bureaus do not match.

Employer Mismatches : Conflicting employment data is shown across the reports.

These inconsistencies violate the requirement under 15 U.S.C. 1681e ( b ) for consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

III. Data Breach Exposure and Failure to Protect Consumer Data I was affected by multiple large-scale data breaches in which personal identifying informationincluding Social Security numbers , dates of birth, and addresseswas compromised. As a result, fraudulent accounts and inquiries have appeared on my reports.

Despite submitting fraud alerts, police documentation, and FTC Identity Theft Reports, the credit bureaus have failed to properly block or remove fraudulent data and have not provided written responses or verification details as required by law.

Violations include but are not limited to : 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide the method of verification upon request.

15 U.S.C. 1681c-2 : Failure to block information resulting from identity theft.

15 U.S.C. 1681b ( g ) : Failure to properly safeguard consumer data.

15 U.S.C. 1681s-2 : Failure of data furnishers to report accurate information.

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