Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my fourth dispute in regard to fraudulent and inaccurate information being reported on my credit profile. As of today 's date, XX/XX/XXXX, you are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which mandates the blocking and removal of fraudulent information within four business days of receiving proof of identity and a formal dispute. There are currently FOUR CFPB complaints open for Experian and no actions taken, no accounts deleted. Dates of complaints XX/XX/XXXX - Complaint ID XXXX ( most recent ), XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Why are all of these complaints open? FTC Report Number : XXXX / FTC Report Number : XXXX i also have certified mail tracking numbers that Experian XXXX all necessary info for deletions and an Experian Rep advised the accounts would be deleted in 48hrs. 

I submitted a verified dispute on XX/XX/XXXX, and provided adequate documentation, including : 1.A fraud affidavit 2.A copy of my government-issued ID 3.A 3-bureau credit report illustrating clear discrepancies between Experian and the other credit bureaus 4.Specific details identifying the fraudulent accounts Despite this, the accounts in question remain on my credit file as of XX/XX/XXXX. This failure to act within the statutory timeframe is unacceptable and is a violation of my federally protected consumer rights. 

Applicable Law Violations Include : 1.15 U.S.C. 1681c-2 ( Block of Information Resulting from Identity Theft ) : Requires the CRA to block such information within 4 business days of receipt.

2.15 U.S.C. 1681i ( Reinvestigations of Disputed Information ) : Failure to properly investigate and delete inaccurate information.

3.15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy.

4.15 U.S.C. 1681n and 1681o : Liable for willful or negligent noncompliance, respectively.

Real Cases Supporting Consumer Rights Violations : XXXX v. TransUnion, XXXX ( XXXX ), XXXX Supreme Court XXXX XXXX for credit reporting inaccuracies harming consumers. 

XXXX v. TransUnion ( XXXX ), XXXX Cir. Found the bureau liable for failing to properly investigate identity theft. 

XXXX v. XXXX XXXX XXXX ( XXXX ), XXXX Cir. Reaffirmed the duty of CRAs to maintain accurate credit reports. 

Consequences of Experians Inaction : 1.Your failure to remove these fraudulent accounts has : 2.Hindered my ability to obtain credit, 3.Caused denial of essential purchases and services, 4.Resulted in emotional and financial distress, 5.Exposed me to ongoing risk and reputation damage.

This is not only unlawful but unethical. If this matter is not immediately resolved, I will escalate it by : Initiating legal proceedings under the FCRA for statutory, actual, and punitive damages.

Publicly documenting Experians noncompliance to inform other consumers.

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