Consumer complaint received 2025-10-15 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:
I am submitting this complaint to report ongoing noncompliance by Equifax and Experian with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, 1681s-2 ( a ), 1681c-2, and 607 ( b ). Despite having submitted multiple dispute letters, identity theft documentation, and supporting evidence, both bureaus have failed to remove or block fraudulent and unverifiable accounts, as well as unauthorized inquiries. 
A formal reinvestigation and deletion demand which aims to correct inaccurate reporting resulting from identity theft and misuse of my personal information. 

As detailed in my supporting files, I have provided : A formal written dispute to both bureaus demanding deletion or proof of verification for all disputed items An FTC Identity Theft Report ( # XXXX ) confirming I am a documented victim of identity theft Valid identification, including my Georgia XXXX XXXX and Social Security card, as well as bank documentation verifying my current address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX bureaus were legally required to block or delete the fraudulent accounts and inquiries within XXXX ( XXXX ) business days of receiving my identity theft report, under FCRA 605B and 609 ( a ) ( 1 ). Neither has done so. 

Failure to Remove Fraudulent Accounts The following accounts are fraudulent and remain on my Equifax and Experian reports despite being included in my FTC Identity Theft Report and multiple written disputes : XXXX XXXX XXXX Account # XXXX ( Unauthorized loan ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX ( Unauthorized credit card ) XXXX XXXX XXXX Account # XXXX ( Unauthorized credit card ) Additional accounts falsely linked to my identity, opened between XXXX and XXXX, totaling over {$8700.00} in fraudulent debt Unverified or Unauthorized Inquiries ( Violating FCRA 604 & 1681C-2 ) * * My FTC Report and dispute letters identify numerous unauthorized credit pulls, which Equifax and Experian failed to delete. 
These include inquiries from : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX & XX/XX/XXXX These inquiries lack permissible purpose and were not authorized by me as required under FCRA XXXX04 ( a ) ( 3 ) Failure to Conduct Proper Reinvestigation Both Equifax and Experian failed to provide a proper Method of Verification for the disputed items, as mandated by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Instead, they issued generic responses that did not include evidence from the original furnishers.

Violation of Maximum Possible Accuracy Requirement ( FCRA 607 ( b ) ) The bureaus continue to report accounts that have been proven fraudulent through FTC documentation, thereby failing to ensure maximum possible accuracy.

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