Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Urgent Complaint Against Experian Fraudulent Account, Incorrect Reinstatement, and Incomplete Investigation Process To the Consumer Financial Protection Bureau, I am submitting this complaint against Experian for mishandling a fraudulent XXXX  XXXX XXXX account that has been improperly reported on my credit file. Despite multiple disputes, this account continues to appear inaccurately on my credit report, and I have serious concerns about the methods used by Experian to verify and validate the account.

Case Reference : Experian XXXX XXXX. 
Court Case No. : XXXX Plaintiff : XXXX XXXX Court Date : XX/XX/XXXX Timeline of Issues : XXXX. XX/XX/XXXX : Experian initially deleted the fraudulent XXXX  XXXX XXXX account ending in XXXX ( Report # XXXX ). 
XXXX. XX/XX/XXXX : The same account ( XXXX ) was unblocked and reinstated on my credit report without my knowledge or consent ( Report # XXXX ). 
XXXX. After Reinstatement : A subsequent dispute letter from Experian ( Exhibit # 2 ) confirmed the reinsertion of the account, but the account number changed to a different number, XXXX. This is highly concerning as the account was fraudulent, and the new account number is unrelated to the original dispute. 
XXXX. XX/XX/XXXX : A second account ending in XXXX ( XXXX  XXXX XXXX ) was reported as remaining after a dispute, despite being associated with fraudulent activity. 

Key Legal Concerns : Account Number Change : After the reinsertion of the account, the account number changed. This raises serious questions about the validity of the account. If the account was unblocked and reinstated, why did the account number change? This is not the same account, and I have reason to believe that Experian has inserted a different fraudulent account altogether.

Fraudulent Account : This account is fraudulent, and it does not belong to me. It has been removed and reinserted, but not correctly. The reinsertion of the account, with the number changed, violates my rights under the Fair Credit Reporting Act ( FCRA ). The account should have been completely removed, and Experian has failed to provide any solid verification or validation that this account is legitimate.

Inconsistent Reporting Across Credit Agencies : The fraudulent account does not appear on all my credit reports. It is missing from XXXX  and other reports, which indicates that this account is being inaccurately reported and is not consistent across credit agencies.

Misinterpretation of Investigation Process : Experians process of contacting XXXX  XXXX XXXX and asking if I owe the debt is not what the FCRA requires for an internal investigation. This is an external verification process, which is not sufficient for verifying the accuracy of a disputed account. The FCRA requires the credit bureau to conduct a comprehensive internal investigation, not just rely on an external response from the furnisher. If Experian had conducted its own internal investigation, it would have clearly seen that two different account numbers exist for the same account, showing that the account was fraudulent and should not be reported.

Exhibit Evidence : This complaint is based on factual evidence from the exhibits I have received from Experian, which I am submitting to the CFPB. The document shows that Experian itself recorded two different account numbers for the same Bank of America account. This is not my opinion, but rather a direct reflection of Experians own database. This discovery, after reviewing their records, proves that the account is fraudulent and has been improperly handled.

Specific Requests : 1. Full Removal of Fraudulent Account : The account in question must be completely removed from my credit report. It is a fraudulent account, and the actions taken by Experian have not resolved the issue.

2. Detailed Investigation Report : I request that Experian provide a full detailed report of their investigation into the disputed account. This should include : How they verified and validated the account.

Who did they contact to verify the account information?

A copy of any documentation, paperwork, or communications they used in this verification process.

Clear evidence showing that the account is valid, and any supporting documents from the furnisher of this information, as per the FCRA.

3. Proof of Compliance with the FCRA : I ask that Experian explain why the account was reinserted, including why I was not notified of the reinsertion within the required 5-business day window, as mandated by the FCRA.

Relief Sought : Immediate removal of the fraudulent account from all my credit reports Full disclosure of the investigation process, including documentation of verification and any communications with the furnisher of the account Clarification on how Experian has ensured this account is valid and not fraudulent Consistent reporting of accurate and verified information across all credit bureaus If Experian fails to address this issue promptly and appropriately, I will be forced to take further legal action, including filing another lawsuit. The actions taken by Experian not only violate my rights under the FCRA, but also represent a continued disregard for accurate and fair reporting. This matter must be resolved immediately.

Sincerely, XXXX XXXX

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