Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

On three separate occasions, I submitted a block and delete request to Experian under 15 U.S. Code 1681c2, along with my valid FTC Identity Theft Report, government-issued ID, proof of address, and all required documentation. Despite the legal obligation under FCRA to block and delete the identified fraudulent information within four business days, these accounts continue to remain on my report.

Experians repeated boilerplate responses requesting the same documentation, despite prior receipt, clearly demonstrate an attempt to stall compliance with federal law. This conduct is not only unacceptable, but constitutes a violation of : 15 U.S. Code 1681c2 ( failure to block identity theft-related data after valid request ), 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) ( failure to conduct a lawful reinvestigation of disputed information ), and 15 U.S. Code 1681n and 1681o ( liability for willful or negligent noncompliance with the FCRA ).

I am demanding immediate removal of the following fraudulent accounts from my Experian credit report : XXXX XXXX XXXX XXXX XXXX XXXX fraudulent charge-off, previously disputed as identity theft, still appears on my report.

XXXX XXXX ( XXXX XXXX  ) fraudulent negative item, remains on file as a derogatory account despite my identity theft claim.

Hard inquiries from XXXXXXXX XXXX XXXX XXXX and XXXX  are still listed, though I never authorized them and identified them as part of the identity theft activity I have now complied multiple times with all your requests and exceeded the legal requirements necessary under the Fair Credit Reporting Act. If these items are not removed immediately, I will pursue formal legal action through the Consumer Financial Protection Bureau ( CFPB ), State Attorney Generals Office, and consider litigation under 15 USC 1681n for willful violations.

Furthermore, I have evidence that the fraudulent information has been reinserted on more than one occasion without prior written notice, in violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( B ).

Re-reporting previously deleted or disputed information without following proper reinsertion procedures is unlawful and actionable.

You are now on final notice. If you do not permanently delete all accounts and inquiries identified above within 5 calendar days of receiving this letter, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiate legal action for willful noncompliance and damages under 15 U.S. Code 1681n and 1681o.

Let this serve as final notice. Failure to comply will confirm your unwillingness to follow federal law and protect consumers from identity theft.

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