Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian is in direct violation of multiple provisions under the Fair Credit Reporting Act, and I am demanding immediate accountability. I have been disputing this fraudulent XXXX XXXX XXXX account # XXXX since XXXX, and on XX/XX/year>, I filed a police report documenting that I am a victim of identity theft. Along with that, I submitted a formal FTC Identity Theft Report and an Affidavit of Identity Theft. Despite this, Experian has continued to report the account, while Equifax and TransUnion have already removed it, proving that this account is unverifiable and unauthorized. Experians refusal to remove it not only shows a lack of proper reinvestigation but also clear noncompliance with federal law. Under XXXX U.S.C. XXXX, a credit reporting agency may only report accounts with a permissible purpose or written authorization from the consumer, neither of which exists in this case. Under XXXX U.S.C. XXXX ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy. Reporting an account that I have repeatedly disputed and proven to be fraudulent for over a year, with supporting documents, directly violates this standard. Also, XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) requires Experian to conduct a timely and thorough reinvestigation of disputed information once notified by the consumer. However, all Ive received are generic responses like continued without any explanation or proof of how this account was verified. According to XXXX U.S.C. XXXX ( a ), I also have the legal right to request a block of any information that resulted from identity theft, and you are required to honor that request with proper documentation, which I have already provided. If information is found to be inaccurate or unverifiable, XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) mandates that it be deleted from the credit file, yet Experian has refused to do so. And if the item was previously deleted and reappeared later which has happened then under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ), Experian must obtain certification of accuracy from the furnisher and provide me written notice within XXXX business days of reinsertion. I never received any such notice or evidence of proper verification. By continuing to report this disputed account despite my police report, federal filings, and repeated disputes over the past year and a half, Experian is engaging in willful noncompliance under XXXX U.S.C. XXXX, which makes you liable for statutory and punitive damages. Even if unintentional, this still qualifies as negligent noncompliance under XXXX U.S.C. XXXX, which also carries legal consequences. This is no longer a simple error it is a pattern of failure to comply with the law. I am demanding the immediate and permanent deletion of this fraudulent XXXX  XXXX XXXX account from my Experian credit file. Enough is enough.D

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