Consumer complaint received 2025-04-08 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 a formal complaint against all three major credit reporting agenciesEquifax, Experian, and TransUnionfor multiple violations of federal law regarding the inaccurate and fraudulent reporting of several accounts and inquiries on my credit profile. I have previously disputed these items in writing, and despite providing comprehensive documentation including ID, Social Security card, police reports, and proof of address, the bureaus have failed to remove, block, or properly investigate the disputed accounts and late payment records.

These failures constitute violations under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Gramm-Leach-Bliley Act, and the Identity Theft and Assumption Deterrence Act, as well as Florida state law. Furthermore, the accounts and late payment notations fail to meet Metro2 compliance standards required for accurate credit reporting. 

Disputed Accounts and Violations : XXXX XXXX XXXX Account # : XXXX Violations : FCRA 607 ( b ), 611 ( a ) ; FDCPA 1692g ; Metro2 ; 15 U.S.C. 1681 Action Requested : Immediate removal and blocking under FCRA 605B. 

XXXX  Account XXXX : XXXX Violations : FCRA 607 ( b ), 611 ( a ) ; Metro2 ; 15 U.S.C. 1681 Action Requested : Removal and blocking of account. 

XXXX XXXX Account # : XXXX Violations : FCRA 607 ( b ), 611 ( a ) ; Metro2 ; 15 U.S.C. 1681 Action Requested : Removal and blocking of account. 

XXXX  Account # : XXXX Violations : FCRA 607 ( b ), 611 ( a ) ; Metro2 ; 15 U.S.C. 1681 Action Requested : Removal and blocking of account. 

XXXX Account # : XXXX Violations : FCRA 607 ( b ), 611 ( a ) ; Metro2 ; 15 U.S.C. 1681 Action Requested : Removal and blocking of account. 

XXXX XXXX XXXX XXXX XXXX Account # : XXXX Violations : FCRA 607 ( b ), 611 ( a ), 611 ( a ) ( 6 ) ; FDCPA 1692g ; Metro2 Action Requested : Removal of all late payments and correction of any derogatory data. 

XXXXXXXX XXXX ( Credit Card ) Account # : XXXX Violations : FCRA 607 ( b ), 611 ( a ), 611 ( a ) ( 6 ) ; FDCPA 1692g ; Metro2 Action Requested : Removal of all late payments and accurate correction. 

Additional Issues : Fraudulent Inquiries : XXXX XXXX and additional inquiries were made without authorization or permissible purpose. 
Violations : FCRA 604 ( a ) ; Action Requested : Immediate removal.

Incorrect Address Reporting : XXXX XXXX XXXX XXXX appears on my report without any association to me.

Action Requested : Remove the address and restrict future association. 

Federal Law Violations Cited : FCRA, 15 U.S.C. 1681 et seq.

607 ( b ) : Duty to ensure maximum possible accuracy 611 ( a ) ( 1 ) ( A ) : 30-day dispute investigation requirement 611 ( a ) ( 6 ) : Reinvestigation duties 605B : Block of information resulting from identity theft FDCPA, 15 U.S.C. 1692g : Validation of debts within 5 days Gramm-Leach-Bliley Act, 15 U.S.C. 68016809 : Data protection and security Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 Florida Statutes 817.568 : Identity theft as a felony offense FTC Guidelines 15 U.S.C. 1681g ( e ) : Rights of identity theft victims Demands to the CFPB : Investigate and Enforce Compliance : Compel all three bureaus to investigate properly, block fraudulent accounts, and remove all derogatory data per FCRA 605B.

Enforce Late Payment Removal : Specifically enforce the removal of late payments from XXXX and XXXX accounts. 

Enforce Metro2 Compliance : Ensure the bureaus follow CDIA Metro2 standards for accurate data formatting and reporting.

Correct All Errors Across All Bureaus : Ensure consistency of information across Equifax, Experian, and TransUnion.

Provide Written Confirmation : I request documented confirmation that each bureau has complied with the law and corrected my record.

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