Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the failure of Experian to properly investigate and resolve multiple disputes related to fraudulent accounts listed on my credit report. Despite several attempts to have these accounts removed, Experian has failed to take appropriate action to correct the inaccuracies, which are damaging my credit and violating my consumer rights. 

Fraudulent Accounts in Question : XXXXXXXX XXXX  Account Number : XXXX Fraudulent Amount : {$2500.00} XXXX Card Account Number : XXXX Fraudulent Amount : {$8600.00} The Best Service Company Account Number : XXXX Fraudulent Amount : {$4700.00} Timeline of Dispute Submissions : Despite providing full documentation for these disputes, including my FTC Identity Theft Report, drivers license, social security card, and proof of address, Experian has not acted on these disputes. The timeline of my attempts is as follows : XX/XX/XXXX ( CFPB complaint # XXXX and XXXX ) XX/XX/XXXX ( CFPB complaint # XXXX ) XX/XX/XXXX ( CFPB complaint # XXXX ) Legal Violations : Experians failure to investigate and resolve these disputes is a direct violation of several laws : FCRA 1681i ( Investigation of Disputed Information ) Experian is required to investigate disputes and correct inaccuracies within 30 days, which they have failed to do.

FCRA 1681e ( b ) ( Accuracy of Information ) Experian is mandated to report accurate and complete information, yet they have failed to verify these fraudulent accounts.

Identity Theft Victim Protection Act ( ITVPA ) of 2008 1681c-2 Experian is required to block fraudulent accounts from my report upon receipt of my FTC Identity Theft Report, which they have failed to do.

Florida Consumer Protection Laws ( Chapter 501 ) Experian is in violation of state laws that mandate accurate credit reporting and the fair handling of disputes. 

CFPB Regulations Experian is also in violation of CFPB rules that require timely resolution of disputes. 

Impact on My Credit : These fraudulent accounts continue to negatively impact my credit score, causing financial harm and hindering my ability to secure fair credit. I demand that these accounts be removed immediately and that I receive a detailed explanation of the actions taken, including the verification process used and the results of the investigation.

Requested Action : Immediate removal of the fraudulent accounts from my credit report.

A detailed response from Experian, including the steps taken during their investigation and how they verified or failed to verify the fraudulent accounts. 

Written confirmation of the removal of the fraudulent accounts within 15 business days from the date of this letter.

A review of Experian 's dispute processes, particularly related to identity theft, to address systemic failures in processing these types of disputes.

If this matter is not resolved within the specified 15-day timeframe, I will pursue statutory damages, punitive damages, and legal action under the FCRA, ITVPA, and Florida state laws for the continued harm caused to my credit and financial standing.

I am keeping a full record of all correspondence and steps taken in this matter, and I have included the following documentation for your reference : FTC Identity Theft Report # XXXX Drivers License Social Security Card Proof of Address Experian Credit Report Thank you for your prompt attention to this matter.

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