Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
I am filing this formal complaint to demand the immediate removal and permanent blockage of fraudulent accounts, unauthorized inquiries, and incorrect personal information from my credit file maintained by Experian. These items were added without my consent, violating multiple federal and state consumer protection laws. 

I request the CFPB enforce compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable statutes to ensure the removal and blockage of all disputed items, as well as the implementation of measures to protect my credit file.

Violations of Federal and State Laws Failure to Notify of Debts : Creditors are required to notify consumers in writing of the existence of debts within five days of reporting, as per 15 U.S.C. 1692g. This notification was not provided for the accounts in dispute.

Failure to Ensure Maximum Accuracy : FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that credit reporting agencies maintain maximum possible accuracy in their reports. The presence of numerous discrepancies demonstrates noncompliance. 

Failure to Investigate Disputes : Under FCRA 611 ( a ) ( 1 ) ( A ), credit reporting agencies must investigate consumer disputes within 30 days. My disputes remain unresolved, violating statutory deadlines.

Failure to Block Fraudulent Information : FCRA 605B ( 15 U.S.C. 1681c-2 ) requires credit bureaus to block fraudulent accounts within four business days upon receipt of appropriate documentation. This requirement has not been fulfilled. 

Failure to Protect Against Identity Theft : The Identity Theft and Assumption Deterrence Act ( XXXX XXXX. XXXX ) criminalizes identity theft, and the accounts on my file violate protections against such theft.

Fraudulent Accounts The following accounts are fraudulent, were added without my consent, and must be removed and blocked immediately : CAF ( Account No. 3277 ) Issues : Discrepancies in payment status, open dates, and lack of proper notification.

Violations : 15 U.S.C. 1681, 1692g ; FCRA 607 ( b ). 
XXXX ( Account XXXX. XXXX ) Issues : Discrepancies in balances, open dates, and failure to validate. 
Violations : 15 U.S.C. 1681, 1692g ; FCRA 607 ( b ), 611 ( a ). 
XXXX XXXX ( Account XXXX. XXXX ) Issues : Inconsistent monthly payments, differing open dates, and lack of proper validation. 
Violations : 15 U.S.C. 1681, 1692g ; FCRA 607 ( b ). 
XXXX ( Account XXXX. XXXX ) Issues : Charged-off account with high credit amount discrepancies and incorrect last reported dates. 
Violations : 15 U.S.C. 1681g ( e ), 1692g ; FCRA 607 ( b ). 
XXXX XXXX XXXX ( Account XXXX. XXXX ) Issues : Payment status discrepancies, differing account details, and lack of notification. 
Violations : 15 U.S.C. 1681, 1692g ; FCRA 607 ( b ). 
XXXXXXXX XXXX ( Account XXXX. XXXX ) Issues : Charged-off account with discrepancies in payment status and open dates, and lack of proper notification. 
Violations : 15 U.S.C. 1681, 1692g ; FCRA 607 ( b ). 
XXXX XXXX ( XXXX, Account XXXX. XXXX ) Issues : Discrepancies in high credit amounts, open dates, and reporting. 
Violations : 15 U.S.C. 1681g ( e ), 1692g ; FCRA 607 ( b ). 
Unauthorized Inquiries The following credit inquiries were unauthorized and must be removed pursuant to FCRA 605 ( a ) ( 5 ) ( 15 U.S.C. 1681c ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal Information The following names and addresses are incorrect and must be removed pursuant to FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ) : Names : " XXXX XXXX XXXX '' Addresses : XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX Immediate Removal and Blocking Enforce the immediate removal and permanent blockage of all fraudulent accounts, unauthorized inquiries, and incorrect personal information as required under FCRA 605B.

Written Confirmation Provide a written response confirming the removal and blockage of all disputed items, along with an updated copy of my credit report, as required under FCRA 611 ( a ) ( 6 ). 

Fraud Alert Implementation Place a fraud alert on my credit file as required under FCRA 605A ( 15 U.S.C. 1681c-1 ).

Investigation Report Conduct a comprehensive investigation into the inaccuracies, detailing how these accounts and inquiries were added, and provide a detailed report of findings.

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