Consumer complaint received 2025-05-30 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: VA

Complaint narrative:
XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX Date : [ Insert Todays Date ] To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Formal Complaint Experians Willful Violations of FCRA 605B, 1681b, 1681e ( b ), 1681i, 1681n, 1681o Failure to Remove Fraudulent Accounts and Inquiries Dear Consumer Financial Protection Bureau, I am filing this urgent complaint against Experian for its repeated and willful violations of my rights under the Fair Credit Reporting Act ( FCRA ). Despite submitting a valid identity theft report and verifying my identity, Experian has failed to remove fraudulent accounts and unauthorized inquiries, causing serious and ongoing harm to my credit profile and financial standing.

This conduct constitutes violations of the following FCRA sections : 605B ( 15 U.S.C. 1681c-2 ) Mandates removal of identity theft-related information within 4 business days of receiving a proper identity theft report.

1681i Requires a reinvestigation of disputed information and correction/deletion if inaccuracies are found.

1681b Limits access to consumer reports to those with a permissible purpose. Unauthorized inquiries were made without my consent.

1681e ( b ) Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. Experian has clearly failed in this duty.

1681n Provides for liability in cases of willful noncompliance, including actual damages, statutory damages, punitive damages, and attorneys fees.

1681o Provides for liability in cases of negligent noncompliance.

Furthermore, I am aware that Experian has faced multiple lawsuits and regulatory actions for similar misconduct, including : FTC and state attorneys general enforcement actions related to the failure to correct false credit information.

Private lawsuits under FCRA for knowingly reporting inaccurate and damaging credit data.

Given this track record, Experians continued reporting of false information in my credit profile demonstrates not only gross negligence but likely willful misconduct.

Fraudulent Inquiries ( Unauthorized Access Under 1681b ) : XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I never authorized these inquiries, nor did I have any dealings with these entities. Their inclusion is a clear breach of consumer privacy and a violation of the FCRA. 

These false accounts and inquiries have harmed my credit score, blocked access to credit, and caused unnecessary emotional and financial stress. Experians inaction after valid dispute and ID theft documentation is inexcusable and unlawful. 

Requested Action : I request the CFPB to investigate Experian and compel them to : Immediately block and remove all fraudulent accounts and inquiries as required by 605B.

Conduct a full and lawful reinvestigation under 1681i.

Determine whether Experians actions meet the threshold of willful or negligent violation under 1681n and 1681o.

Provide me with written confirmation of the actions taken.

Consider civil penalties for Experians systemic pattern of disregarding federal consumer protection laws.

Attached Documents : Copy of my government-issued ID and proof of address Identity theft report ( FTC or police report ) Credit report showing fraudulent activity All prior correspondence with Experian Thank you for your attention to this matter. I trust the CFPB will take swift and decisive action to ensure Experian complies with its legal obligations and restores the accuracy of my credit report. 

Sincerely, XXXX XXXX XXXX ( 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