Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
False Bankruptcy Reporting : The credit bureaus falsely and unjustly reported a bankruptcy on my credit report and file. This information was baseless and caused considerable damage to my credit standing. After disputing this erroneous entry, the credit bureaus temporarily removed it, only to reinsert it along with other false and unverified debts.

Reinsertion of False and Unverified Information : Without my explicit authorization or compliance with the due process mandated by the FCRA, the credit bureaus reinserted false and unverified debt back onto my credit report and file. This is a blatant violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which outlines strict requirements for reinserting information.

Failure to Conduct a Proper Investigation : My rights under 15 U.S.C. 1681i ( a ) ( 1 ) and 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) have been blatantly disregarded. The credit bureaus failed to : Conduct a thorough and timely investigation of the disputed entries. 

Provide me with adequate notice of the reinsertion of information as required by law. 

Furnish any evidence or verification to substantiate the accuracy of the reported information. 

Violation of My Right to Due Process : By reintroducing inaccurate, ghost, and unverifiable debts without my express consent or " wet signature, '' the credit bureaus have acted in bad faith, completely disregarding their legal obligations under the FCRA. This unauthorized action undermines the integrity of the credit reporting system and my ability to maintain an accurate credit profile. 

Fraudulent and Incorrect Reporting : The reinsertion of false, unverified, and ghost debts constitutes a deliberate act of negligence, if not outright fraud, by the credit bureaus. Their failure to ensure compliance with federal laws demonstrates a systemic breakdown in their responsibilities as credit reporting agencies. 

False and Inaccurate Inquiries : The credit bureaus have allowed multiple false and inaccurate inquiries to be recorded on my credit report, which were made without my approval. They have failed to provide proof of my authorization through a " wet signature, '' as required by law. These unauthorized inquiries have negatively impacted my credit score and financial opportunities.

False Names, Addresses, and Aliases : My credit report includes false addresses, false names, and aliases that I have never used or applied under. I have not authorized or paid for any " AKA '' licensing. The inclusion of such information is baseless and has caused reputational harm. 

Baseless Accusations of Debts Not Belonging to Me : I have been wrongfully accused of debts that do not belong to me. Despite successful disputes and removal of these debts, the credit bureaus have unjustly reinserted them into my credit report. This has further tarnished my reputation and constitutes unjustifiable libel and defamation.

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