Consumer complaint received 2025-01-08 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: MI

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> Subject : Complaint Against XXXX for Non-Compliance with FCRA and Mishandling of Identity Theft Claims To : Consumer Financial Protection Bureau Summary of Complaint : XXXX has repeatedly failed to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to remove fraudulent accounts from my credit report, despite my submission of all legally required documentation. Their actions have caused substantial financial and emotional distress and have severely impacted my ability to obtain credit. Additionally, XXXX has falsely claimed that fraudulent accounts have been verified and certified without providing actual documentation of my liability for these accounts. 
Key Issues : 1. Refusal to Accept Valid Documentation XXXX has rejected my FTC Identity Theft Report, police report, and proof of identity without valid justification. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), XXXX is required to block fraudulent accounts upon receipt of a valid identity theft report. However, despite submitting these documents multiple times, they have arbitrarily deemed them invalid without providing a legitimate explanation. 
2. Failure to Remove Fraudulent Items ( Incorrect Verification and False Certification ) * XXXX XXXX XXXX {$17000.00}, charged off ) - XXXX falsely claims this account is verified and certified despite no original agreement or signed document being provided. 
* XXXX XXXX ( {$13000.00}, auto loan ) - XXXX has failed to conduct a proper investigation and continues to report this fraudulent account. 
* XXXX XXXX ( Multiple Accounts ) ( {$810.00} and {$280.00}, charged off ) - No proof of liability has been presented. 
* Unauthorized inquiries - No proof of permissible purpose provided. 
* Incorrect contact information ( addresses and phone numbers remain on my report despite my multiple requests for removal ). 
3. Failure to Provide Method of Verification * XXXX has not provided proof of how these accounts were verified as mine. Under FCRA 609 ( 15 U.S.C. 1681g ), I have the right to request and receive verification documents for disputed accounts. 
* XXXX continued reporting of these fraudulent items without sufficient evidence constitutes a direct violation of this law. 
4. Mishandling of Identity Theft Claims * XXXX has failed to block fraudulent accounts despite my identity theft report. Under FCRA 605B, they are obligated to do so upon receiving my report and supporting documentation. 
* They have used vague, misleading responses to dismiss my disputes without providing any factual evidence to support their claims. 
5. Compromised Personal Information * My name, Social Security number, and other personal details have been exposed in multiple data breaches and found on the dark web, making me a prime target for identity theft. Despite this, XXXX refuses to take proper action to protect my consumer report. 
Applicable Laws Violated : 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) Requires XXXX to block fraudulent accounts upon receipt of an identity theft report. 
2. FCRA 611 ( 15 U.S.C. 1681i ) Mandates a reasonable reinvestigation and deletion of unverifiable items. 
3. FCRA 609 ( 15 U.S.C. 1681g ) Grants me the right to request and receive verification documents for disputed accounts. 
4. FCRA 623 ( 15 U.S.C. 1681s-2 ) Prohibits reporting inaccurate or incomplete information and requires furnishers to correct disputed data. 
Harm Caused : * Financial Damages : Denial of credit, higher interest rates, and loss of financial opportunities. 
* Emotional Distress : Stress, frustration, and unnecessary prolonged disputes. 
* Increased Risk of Fraud : Due to my personal information being compromised in data breaches. 
* Time & Resources Wasted : Repeatedly submitting documentation only to be ignored. 
Resolution Demanded : 1. Immediate and Permanent Removal of Fraudulent Items listed above. 
2. Deletion of All Unauthorized Inquiries. 
3. Correction of My Contact Information. 
4. Monetary Compensation of {$15000.00} for damages caused by XXXX negligence. 
5. Full Compliance with FCRA Regulations. 
Supporting Documents : * FTC Identity Theft Report * Police Report * Proof of Identity ( Drivers License, Social Security Card, Utility Bill ) * Correspondence with XXXX * Highlighted Credit Report with Disputed Items * Proof of Data Breach and Dark Web Exposure Conclusion : XXXX failure to comply with federal law is unacceptable, and their refusal to act on legitimate identity theft claims has caused severe financial harm. I request that the CFPB investigate these violations and enforce penalties against XXXX. 
Thank you for your prompt attention to this matter. 
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