Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
FCRA 605 ( b ) IDENTITY THEFT BLOCKING DEMAND Consumer Reporting Agency : Experian Information Solutions , Inc .

I am submitting this complaint to demand immediate blocking and permanent removal of identity-theft-related information from my Experian consumer file pursuant to 15 U.S.C. 1681c-2 ( FCRA 605 ( b ) ). This is not a reinvestigation request. Blocking is mandatory.

Identity Theft Documentation I have submitted valid identity theft documentation, including : FTC Identity Theft Report No. XXXX XXXX XXXX XXXX Police Department Report XXXX. : XXXX Identification Affidavit Proof of Life Statement FCRA 605 ( c ) Self-Attestation These documents satisfy all statutory requirements under the FCRA.

Verified Identity and Address The only residential address that belongs on my Experian credit file is : XXXX XXXX XXXX XXXX XXXX, FL XXXX This address has been verified since XXXX and appears on my valid Florida drivers license. I have never lived in XXXX XXXX, TX, XXXX, TX, or at XXXX XXXX XXXX XXXX, XXXX XXXX, TX. Any XXXX address or public record associated with my file is inaccurate and fraudulent.

Experian has previously been provided government-issued identification, proof of address, and written disputes, yet failed to correct or block inaccurate information.

Fraudulent Credit Accounts Not Mine The following accounts are the result of identity theft, mixed-file contamination, or misassociation and must be blocked within four ( 4 ) business days under FCRA 605 ( b ) XXXX XXXX XXXX XXXX  Account No. XXXX Balance {$1200.00} Charge-Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX / XXXX Account XXXX. XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX {$580.00} Charge-Off I did not open, authorize, sign for, or benefit from any of these accounts. 

Fraudulent Public Record Eviction / Judgment ( Experian XXXX ) Experian is furnishing a fraudulent eviction/judgment public record through Experian XXXX, which is being used by tenant-screening companies. 

Case Number : XXXX Court : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX fraudulent ) Judgment Amount : {$3800.00} Filed Date : XX/XX/XXXX This public record does not belong to me. I have never appeared in eviction court in XXXX XXXX and was residing in XXXX, Florida at the time of the alleged filing. I have confirmed with the XXXX XXXX XXXX of Courts that they are not the furnisher of any public records, meaning they do not confirm or provide third-party with public records information by any means of verification.

Fraudulent Bankruptcy XXXX XXXX XXXX, Texas ( XXXX & XXXX ) SUBJECT TO DOCKET-LEVEL VERIFICATION Experian XXXX reporting two bankruptcy public records allegedly filed in XXXX, Texas in XXXX and XXXX. These bankruptcies do not belong to me and are the result of identity theft, mixed-file contamination, or improper public-record matching. 

I did not file any bankruptcy petitions in XXXX, TX, did not authorize any attorney, and did not appear in bankruptcy court in that jurisdiction. 

Mandatory Verification Standard Once identity theft is documented, Experian may not rely on name-only matching, automated scraping, vendor summaries, or PACER access.

Experian must either : ( A ) Produce certified docket-level bankruptcy records proving I am the debtor, including full name, DOB, SSN ( last four digits ), petition signature or filer authorization, case number, and court division, OR ( B ) Immediately block and permanently delete the bankruptcy records under 15 U.S.C. 1681c-2 ( a ).

There is no lawful third option.

PACER Verification Rebuttal ( With Case Law ) PACER is a public access system, not an identity verification tool. Reliance on PACER or PACER-derived vendors does not satisfy Experians duties under the FCRA.

Courts have consistently held that CRAs may not blindly rely on public records or third-party databases : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) CRAs must do more than parrot third-party data XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reliance on public records is unreasonable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reasonable procedures required to avoid mixed files XXXX v. Experian XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX public-record matching may violate 1681e ( b ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) Reckless disregard constitutes willful noncompliance Any response asserting verified through PACER is legally insufficient. 

Legal Violations Experians conduct violates : 15 U.S.C. 1681c-2 ( 605 ( b ) ) Failure to block identity-theft information 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i Improper dispute handling Continued furnishing of known inaccurate public records Once identity theft is documented, reinvestigation is prohibited. Blocking is mandatory.

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