Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
This is follow-up on Complaint filled up with Experian reporting. 
Complaint no with CFPB : XXXX STATUS Submitted to the CFPB on XX/XX/XXXX I am filing this complaint against Experian Information Solutions XXXX XXXX for unlawful credit reporting, failure to block identity-theft accounts, and mishandling of my personal data. 

After 30 days of investigation Experian did NOT delete all accounts. 

I submitted FTC Identity Theft Report No. XXXX, notarized affidavits, government-issued ID, proof of address, IRS transcript XXXX and certified disputes. Despite this, Experian has refused to comply with 15 U.S.C. 1681c-2 ( FCRA Identity Theft Blocking ) and Cal. Civ. Code 1785.16.1, which require blocking of identity-theft information within 4 business days. 

Experian also confirmed my data breach under Experian Case No. XXXX, yet continues to publish derogatory information and refuses to correct or delete it. 


Negative accounts still reporting that must be deleted : XXXX XXXX ( Acct. XXXX ) XXXX. Listed in FTC Report No. XXXX. 


2. Reported as income on my IRS transcript.

3. Charged-off and booked as loss ; can not continue to report.

4. I requested the wet-ink signed agreement ; never produced.

5. As an open-end account with >4 payments, reporting after charge-off violates Cal. Civ. Code 1785.13 ( a ) ( 6 ) ( 4-year limit ) and FCRA 605 ( a ) ( 5 ) ( 7-year limit ). 


XXXX XXXX XXXX ( Acct. XXXX ) XXXX. Listed in FTC Report No. XXXX. 


2. Reported as income on IRS records.

3. Charged-off and securitized ; booked as loss.

4. No wet-ink signature contract produced.

5. Continued reporting violates FCRA 609, 611, 623 ( a ) ( 1 ) and CCCRAA 1785.25 ( a ).

6. As an open-end account, reporting beyond 4 years violates Cal. Civ. Code 1785.13 ( a ) ( 6 ). 


XXXX / XXXX ( Acct. XXXX ) XXXX. Listed in FTC Report No. XXXX. 


2. Reported as income on IRS transcript.

3. Closed in XXXX ; reporting violates Cal. Civ. Code 1785.13 ( a ) ( 6 ). 


4. Sold to XXXX XXXX and unlawfully re-aged. 


5. Violates FCRA 605 ( a ), 623. 


XXXX  Accounts ( multiple, including XXXX, XXXX ) Paid, closed, yet Experian still marks them Potentially Negative. 

Late-payment history and accounts themselves must be deleted under FCRA 607 ( b ) and Cal. Civ. Code 1785.25 ( a ). 


XXXX XXXX XXXX XXXX Bank Accounts ( multiple, including XXXX ) Paid, closed, but Experian continues to show late payments and derogatory history. 

XXXX XXXX  accounts and late-payment notations must be deleted. 

XXXX XXXX Bank XXXX ( Acct. XXXX ) Open secured loan showing one late payment. 

That late payment must be deleted as inaccurate under FCRA 607 ( b ). 

Student Loan Reporting Error My XXXX student loan ( Acct. XXXX ) was deleted entirely instead of reported as Paid in Full. 

This was my oldest account. 

Deletion shortened my credit history, directly lowering my score. 

Violates FCRA 605 ( a ) ( 5 ) and 607 ( b ).

False Identity Information Experian continues to publish 12+ unauthorized names and addresses.

Under FCRA 603 ( q ) ( 15 U.S.C. 1681a ( q ) ), Identity Theft includes use of identifying information without consent. 

I never gave written permission for Experian to use these names/addresses. 

Violates FCRA 604, 609 ( a ) ( 1 ) and Privacy Act of 1974 ( 5 U.S.C. 552a ).

Bankruptcies Experian continues to report four dismissed bankruptcies ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 

Improperly obtained from PACER without authorization. 

Dismissed petitions are not debts and can not be reported under FCRA 605 ( a ) ( 1 ).

Inquiries Experian reports dozens of unauthorized hard/soft inquiries, including its own repeated inquiries. 

Violates FCRA 604 ( permissible purpose ) and Cal. Civ. Code 1785.20.1 ( a ) ( written consent required ).

Violations FCRA 603 ( q ), 604, 605 ( a ), 607 ( b ), 609, 611, 623 TILA 15 U.S.C. 1666b ( billing cycle rules for open-end accounts ) 26 U.S.C. 6050P ( IRS charge-off income reporting ) CCCRAA Cal. Civ. Code 1785.13 ( a ) ( 6 ), 1785.16.1, 1785.20.1, 1785.25 ( a ) Privacy Act of 1974 ( 5 U.S.C. 552a )

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