Consumer complaint received 2025-01-29 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:
Company is not properly investigating my disputes. Routinely responds " verified '' even though I indicated documented identity theft of SSN and email address used to open accounts. Credit reporting agency persists in allowing negative items to remain on my credit report even after multiple attempts at disputing. Credit reporting agency simply " updates '' the timeframe/timeclock each time I reach out putting me at an unfair advantage. >>> Subject : Formal Dispute Request Failure to Properly Investigate Credit Report Disputes >>> To Whom It May Concern, >>> I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies ( CRAs ) conduct a reasonable reinvestigation of disputed information and correct or delete it if found to be inaccurate or unverifiable. >>> Despite my multiple attempts to dispute fraudulent accounts associated with documented identity theft of my Social Security Number ( SSN ) and email address, the credit reporting agency has routinely responded with " verified '' without conducting a proper reinvestigation, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Under this law, CRAs must conduct a meaningful review, yet they have failed to do so. >>> Additionally, the credit reporting agency continues to allow negative items to remain on my credit report, violating 15 U.S.C. 1681c-2, which states that CRAs must block fraudulent information when the consumer provides an identity theft report. Despite my documented evidence, the CRA has refused to remove the fraudulent accounts. >>> Furthermore, each time I dispute these inaccuracies, the credit reporting agency merely updates the reporting date, effectively restarting the timeclock for how long the negative information remains on my credit report. This practice is an unfair and deceptive reporting tactic that places me at an unfair disadvantage, violating 15 U.S.C. 1681s-2 ( b ), which requires furnishers of information to conduct an accurate and thorough reinvestigation when notified of a dispute. >>> Given the clear violations of the FCRA, I request the immediate removal of all negative account information associated with fraudulent activity on my credit report. If the credit reporting agency continues to fail in its legal duty to conduct a proper investigation and remove inaccurate information, I will escalate this matter with legal action under 15 U.S.C. 1681n, which allows for civil liability for willful noncompliance, and 15 U.S.C. 1681o, which provides for civil liability for negligent noncompliance. >>> I am requesting : >>> The immediate removal of all negative information related to identity theft.

A detailed explanation of the credit reporting agencys reinvestigation process, including how the information was " verified. '' >>> A copy of any supporting documentation used to " verify '' the fraudulent accounts.

Please acknowledge receipt of this dispute and provide a resolution within the 30-day timeframe required under the FCRA. Failure to comply will result in further legal action. >>> Accounts are as follows : >>> Account name : XXXX XXXX XXXX Account # XXXX {$580.00} XXXX Account name XXXX XXXX XXXX XXXXXXXX Account # XXXX {$360.00} XXXX Account name XXXX XXXXXXXX XXXX Account # XXXX {$900.00} XXXX Account name : XXXX Account XXXX XXXX Account # XXXX {$5600.00} XXXX Account name : XXXX XXXX XXXX XXXX  Account XXXX XXXX Account # XXXX {$5500.00} XXXX Account name : XXXXXXXX XXXX Account # XXXX {$1200.00} XXXX Account name : XXXX XXXX. 
Account # XXXX >>> Account name : XXXX XXXX XXXX Account # XXXX Account # XXXX >>> Account name : XXXX XXXX XXXX Account XXXX XXXX {$140.00} XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX Account # XXXX CLOSED PAID AS AGREED >>> Account name : XXXX  Account # XXXX CLOSED PAID AS AGREED >>> Account name : XXXX XXXX. 
Account # 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