Consumer complaint received 2025-04-12 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: GA

Complaint narrative:
CFPB Complaint : Experian XXXX XXXX XXXX Identity Theft, Credit Reporting Violations, and Financial Damages Complainant : Verified Victim of Identity Theft Program Status : Witness/Victim Protection Program participant since XXXX Related Breach : Named victim in XXXX XXXX XXXX class-action lawsuit ; signed affidavit on file Complaint ID : XXXX ( for reference ) _________________________________________________________________ I. Summary of the Problem I am a verified identity theft victim under federal protection due to a violent criminal case. Despite submitting all required documentation, Experian continued to report a fraudulent XXXX XXXX credit card account ( XXXX XXXX  ) that I did not open. This has severely impacted my credit score and quality of life. 
_________________________________________________________________ XXXX. Submitted Documentation Government-issued photo ID Proof of address FTC Identity Theft Report ( # XXXX ) Police report ( XXXX XXXX ) Witness/Victim Protection Letter ( XXXX ) Transcripts and recordings of Experian agents and phone calls ( including Supervisor XXXX and Special Services XXXX XXXX XXXX XXXX complaint and Experians written response ( XXXX XXXX ) __________________________________________________________________ XXXX XXXX Violations Committed by Experian FCRA Violations : 605B : Failure to block fraudulent information after identity theft was documented 611 ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation 611 ( a ) ( 7 ) : Failure to disclose reinvestigation methods 609 ( a ) : Denial of access to consumers own credit file 610 : Failure to disclose the information used in investigation 616 & 617 : Willful and negligent noncompliance UDAAP Violations ( 12 U.S.C. 5531 ) : Using breached Equifax data to verify accounts Reporting unverifiable, fraudulent data Denying access to the credit file of a known identity theft victim __________________________________________________________________ XXXX. XXXX XXXX Violations FCRA 623 ( b ) : Failure to conduct reasonable investigation Failure to produce any agreement or documentation bearing my wet signature Continued furnishing of unverifiable data after being notified of identity theft _________________________________________________________________ V. Harm and Damages My credit score dropped from XXXX to XXXX Lost a {$480000.00} mortgage Forced into temporary housing ( hotel costs exceeding {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ___________________________________________________________________ VI. Additional Issues Experian blocked my access to my own credit report portal I was forced to use a fraudulent address to reach agents Experian repeatedly claimed not to have my documents, despite multiple submissions and verification by their own staff ( XXXX, XX/XX/XXXX call XXXX XXXX Response falsely claims the item is resolved without addressing harm or compensation ( included as exhibit ) ___________________________________________________________________ XXXX. Requested Relief I respectfully request the CFPB to : Order the permanent deletion of the XXXX XXXX fraudulent account Restore my access to the Experian credit file and portal Require a written explanation of the verification process used Mandate financial restitution for the following : {$480000.00} mortgage denial Over {$15000.00} in housing costs Emotional distress and reputational damage Launch an enforcement investigation into Experians automated verification process and handling of identity theft disputes Rule that Experian and XXXX XXXX violated the FCRA and UDAAP _____________________________________________________________________ XXXX. Legal Consequences for Noncompliance Failure to address this complaint will result in formal legal proceedings. I am prepared to : Retain XXXX XXXX XXXX ( XXXXXXXX XXXX  ) Present audio recordings and sworn affidavits in federal court Pursue actual, statutory, and punitive damages under FCRA and UDAAP Include testimony from assigned XXXX Police Department detectives ___________________________________________________________________ Thank you for your time and consideration. 

XXXX XXXX Identity / Witness-Victim ProgramAddress for correspondence : [ Redacted for security ] Real address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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