Consumer complaint received 2025-05-27 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: NV

Complaint narrative:
I am requesting the Consumer Financial Protection Bureau ( CFPB ) to immediately take enforcement action against Equifax, Experian, and TransUnion for multiple and repeated violations of federal law. I submitted written disputes, identity theft documentation, and supporting materials over 30 days ago ( date of the letter ), and they failed to comply with statutory duties under the Fair Credit Reporting Act ( FCRA ) and related federal laws. This delay constitutes additional violations. 

Violations Committed : 15 U.S.C. 1681, FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 1 ) ( A ) : Failure to investigate disputes within 30 days FCRA 611 ( a ) ( 6 ) : Failure to reinvestigate and issue findings 15 U.S.C. 1692g : Failure to notify consumer of alleged debts Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) : Failure to safeguard consumer information 18 U.S.C. 1028 : Identity theft and misuse of personal data 15 U.S.C. 1681g ( e ) : Failure to provide victim assistance ( fraud alerts, recovery tools ) Metro2 / CDIA Violations : Noncompliance with industry reporting standards Nevada State Law Violations : NRS 205.463 Obtaining and using personal identifying information of another NRS 598.9715 Nevada Identity Theft Protection and Consumer Fraud Fraudulent and Inaccurate Accounts to Be Removed XXXX XXXX  Account Numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Laws Violated : 15 U.S.C. 1681, 1692g, FCRA 607 ( b ), 611 ( a ), Metro2 Compliance Violations Request : I request removal and blocking of this account. 
XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX XXXX XXXX XXXX XXXX  Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), Metro2 Compliance Violations Request : I request removal and blocking of this account. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), Metro2 Compliance Violations Request : I request removal and blocking of this account. 
XXXX  Account Numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), Metro2 Compliance Violations Request : I request removal and blocking of this account. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), 611 ( a ) ( 6 ), 15 U.S.C. 1692g, Metro2 Compliance Violations Request : I request removal and blocking of this account. 
XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), 611 ( a ) ( 6 ), 15 U.S.C. 1692g, Metro2 Compliance Violations Request : I request removal and blocking of this account. 
XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), 611 ( a ) ( 6 ), 15 U.S.C. 1692g, Metro2 Compliance Violations Request : I request removal and blocking of this account. 
Additional Fraudulent Inquiries The following unauthorized inquiries must be removed immediately : XXXXXXXX XXXX XXXX XXXX XXXX and others. 
Incorrect Addresses Please remove the following addresses, which are not associated with me : XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX, XXXX, NV Incorrect Names : XXXX, XXXX, XXXX These names are inaccurate and must be permanently deleted from my credit report

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