Consumer complaint received 2025-05-25 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:
Subject : Failure to Properly Investigate Disputed Account Continued Reporting of Unverified Information in Violation of FCRA To : Experian P.O. XXXXXXXX XXXX XXXX XXXX XXXX Re : CFPB Complaint No. XXXX Disputed Account : XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XX/XX/year> To Whom It May Concern, I am writing in direct response to your correspondence dated XX/XX/year>, regarding my CFPB complaint ( No. XXXX ) concerning the fraudulent and unauthorized account reported by XXXX. Your response is both legally and procedurally insufficient, and constitutes a failure to meet your obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and related federal laws. 

XXXX. Failure to Conduct a Reasonable Reinvestigation You claim to have contacted the data furnisher, who allegedly verified the accuracy of the information. Simply parrotting back the furnishers response without evaluating the legitimacy of the evidence I submitted or obtaining original documentation constitutes a violation of FCRA XXXX ( a ) ( XXXX ) ( A ), which mandates a reasonable reinvestigation. 

Your reinvestigation was not reasonable, as : You failed to consider my documented identity theft report ( FTC Identity Theft Report # XXXX and XXXX XXXX Report # XXXX ) ; You failed to produce original signed contracts or valid documentation showing my liability for the account ; You continued to report this account without proof of my consent, in direct conflict with FCRA XXXX ( b ) ( requirement to maintain maximum possible accuracy ). 

XXXX. Continued Reporting of Fraudulent Information By continuing to report an account that is not mine and was created through identity theftdespite receiving formal notice and supporting documentationyou are willfully and negligently violating : FCRA 1681c-2 ( a ) : You must block identity theft-related information within XXXX business days of receiving appropriate proof. 
FCRA 1681s-2 ( b ) : The furnisher ( XXXX ) also failed to provide legitimate evidence of the debt or ownership. 
FDCPA 809 ( 15 U.S.C. 1692g ) : You have not provided debt validation as requested within XXXX  days. 

XXXX. Demand for Immediate Corrective Action You are hereby placed on notice that unless the following actions are taken within XXXX  days of receipt of this letter, I will escalate this matter : DEMANDS : XXXX. Immediate removal of the XXXX account from my Experian credit report ; XXXX. Written confirmation of the deletion ; XXXX. Cease and desist all further reporting or sharing of this unverifiable information. 

If you fail to comply, I will file : A renewed complaint with the CFPB ; Formal complaints with the FTC, XXXX  Attorney General, and XXXX Department of Justice ; A civil action in state or federal court under FCRA 1681n and 1681o for willful and negligent noncompliance, seeking statutory damages, attorneys fees, and punitive damages. 

I reserve all rights to seek legal remedies under state and federal law. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX Email : 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