Consumer complaint received 2025-05-19 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: MO

Complaint narrative:
Date : XXXX XXXX XXXX  To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CC : Experian XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Complaint Against Experian Regarding Fraudulent Account and Multiple Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am writing to formally request that both the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) investigate Experians handling of a fraudulent accountXXXX XXXXthat has been repeatedly and improperly reported on my credit report.

Background On multiple occasions over the past XXXX  months, I have disputed the reporting of the XXXX XXXX account, which is not mine and is the result of identity theft, fraud, and misrepresentation. I submitted documentation to Experian substantiating this claim. On XX/XX/XXXX, I received written confirmation from Experian ( Report Number : XXXX ) stating that this account would be deleted from my credit report.

To datealmost XXXX  months laterthis account has not been removed from my credit report, and Experian has continued to assert that the account is reporting accurately with late payments, which is patently false. 

Violations of Federal Law Experians actions constitute multiple violations of the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Delete Previously Removed Information ( Reinsertion without Notice ) According to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file unless the person who furnishes the information certifies that the information is complete and accurate and the consumer reporting agency notifies the consumer within 5 business days.

Violation : Experian failed to notify me of any reinsertion within XXXX business days, violating this provision.

Remedy : The law stipulates that the information must be permanently deleted if the reinsertion process is not followed.

2. Failure to Provide Method of Verification Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), if a consumer requests the method of verification, the credit bureau must provide this within XXXX  business days. 

I submitted this request via the CFPB portal on XX/XX/XXXX, requesting : Documentation linking me to the account, Payment records, Names and contact info of any party contacted in verifying the dispute.

To this date, no response or documentation has been provided.

3. Duty to Block Fraudulent Accounts Upon Notice of Identity Theft Per 15 U.S.C. 1681c-2 ( a ) : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as resulting from identity theft, not later than XXXX  business days after receipt of ( i ) appropriate proof of identity, ( ii ) a copy of an identity theft report, and ( iii ) the identification of the information by the consumer. 

Violation : I have submitted all required documentation and repeatedly informed Experian that the XXXX XXXX account is fraudulent, yet it remains on my report. 
Penalty : Under 15 U.S.C. 1681n and 1681o, I am entitled to actual damages, statutory damages of {$1000.00} per violation, punitive damages, and recovery of attorneys fees.

Summary of Relief Sought Due to these violations, I respectfully request the following : That the CFPB and FTC initiate a formal investigation into Experians conduct.

That Experian be compelled to permanently delete and block the XXXX XXXX account from my credit report.

That Experian be held accountable for violating my rights under the FCRA. 

That Experian provide a full method of verification in compliance with federal law. 

If these violations are not remedied immediately, I intend to pursue legal action against Experian under the FCRA. Documentation regarding my prior disputes, Experians responses, and CFPB complaints can be provided upon request. 

Thank you for your attention to this matter. I expect a formal response and swift resolution. 

Sincerely, [ Your Full Name ] Would you like this turned into a downloadable PDF or for me to help you upload it through the CFPB complaint portal? 








You said : add to this letter that I am attaching a copy of the notification that experian had sent me stating that the account was removed from my credit report. also state that the law clearly states that the credit bureau cant just use an eoscar system to verify information but must actually conduct an investigation or rely on other third party credit bureaus. cite the law that says this XXXX said : Certainly. Here 's the revised version of your letter with the additional statements included regarding : Your attachment of Experians deletion notification.

The improper use of e-OSCAR without a genuine investigation.

The relevant FCRA citation regarding the credit bureau 's duty to conduct a reasonable investigation beyond automated systems. 

[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Phone Number ] Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX CC : Experian XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX Subject : Formal Complaint Against Experian Regarding Fraudulent Account and Multiple Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am writing to formally request that both the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) investigate Experians handling of a fraudulent accountXXXX XXXXthat has been repeatedly and improperly reported on my credit report.

Background On multiple occasions over the past XXXX  months, I have disputed the reporting of the XXXX XXXX account, which is not mine and is the result of identity theft, fraud, and misrepresentation. I submitted documentation to Experian substantiating this claim. On XX/XX/XXXX, I received written confirmation from Experian ( Report Number : XXXX ) stating that this account would be deleted from my credit report. 

I am attaching a copy of that notification as evidence. Despite this written assurance, the account has not been removed from my credit report, and Experian continues to report that the account is accurate, including alleged late payments, which is false. 

Violations of Federal Law Experians actions constitute multiple violations of the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Delete Previously Removed Information ( Reinsertion without Notice ) Citation : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) If any information is deleted from a consumers file the information may not be reinserted unless the furnisher certifies it is complete and accurate and the agency notifies the consumer within XXXX  business days of the reinsertion.

Violation : Experian failed to provide any such notice.

Remedy : The law requires the information to be permanently deleted if the reinsertion protocol is not followed.

2. Failure to Provide Method of Verification Citation : 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) I submitted a method of verification request on XXXX XXXX XXXX through the CFPB complaint system, asking for : Documentation proving account ownership, Payment records showing late payments, Names and contact details of any individuals or departments Experian communicated with during their investigation.

As of this writing, no documentation or information has been provided, violating my rights under the FCRA.

3. Duty to Block Fraudulent Information Upon Notice of Identity Theft Citation : 15 U.S.C. 1681c-2 ( a ) Once a consumer provides proper notice of identity theft, the credit bureau must block the reporting of the disputed item within XXXX  business days.

Despite my repeated notices and supporting documentation, Experian has failed to block this fraudulent account.

4. Use of Automated Verification Systems ( e-OSCAR ) in Place of a Reasonable Investigation The FCRA requires that consumer reporting agencies conduct a reasonable investigation of disputed information and may not rely solely on automated systems such as e-OSCAR.

Citation : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires a reasonable reinvestigation.

In XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court held that a CRA can not merely parrot information from the furnisher of data, and must make an independent effort to verify its accuracy.

Experian 's use of e-OSCAR alone, without responding to my specific documentation and without providing any verification, constitutes an unlawful failure to reasonably investigate under the law.

Summary of Relief Sought Due to these violations, I respectfully request the following : That the CFPB and FTC initiate a formal investigation into Experians conduct.

That Experian be compelled to permanently delete and block the XXXX XXXX account from my credit report. 

That Experian be held accountable for violating my rights under the FCRA. 

That Experian provide a full method of verification in compliance with federal law. 

If these violations are not resolved immediately, I will pursue legal action against Experian. I am prepared to submit additional documentation, including copies of my previous CFPB complaints and Experians failure to respond appropriately. 

Thank you for your time and attention. 

Sincerely, [ Your Full Name ] Let me know if you'd like this letter converted into PDF format, customized with your name and contact details, or formatted for email or printing. 







You said : add to the letter that no reinsertation has or was ever sent to me as the item was never removed from my credit report as I can provide a copy of a credit report for each day since XX/XX/XXXX as I have downloaded a copies of Experian credit report each day since the XXXX of XXXX XXXX so Experian has violated my rights under the fcra XXXX said : Absolutely, here 's the revised and final version of your formal letter with the newly added paragraph clarifying that no reinsertion notice was ever sent, and that you have daily credit report documentation showing the account was never actually removed, further strengthening your case that Experian violated the FCRA : [ Your Name ] [ Your Address ] [ City, State XXXX Zip Code ] [ Email Address ] [ Phone Number ] Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Federal Trade Commission Consumer Response Center XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX CC : Experian XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX Subject : Formal Complaint Against Experian Regarding Fraudulent Account and Multiple Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am writing to formally request that both the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) investigate Experians mishandling of a fraudulent accountXXXX XXXXXXXXthat has been repeatedly and improperly reported on my credit report. 

Background Over the last XXXX  months, I have disputed the presence of the XXXX XXXX account on my credit report, as this account was opened fraudulently and is a result of identity theft, fraud, and misrepresentation. I submitted appropriate supporting documentation to Experian. On XX/XX/XXXX, I received written notification from Experian ( Report Number : XXXX ) stating that the account would be deleted from my credit file. 

I am attaching a copy of this notification as evidence. 

However, the account was never actually removed, and no reinsertion notice was ever sentbecause no reinsertion occurred. I have downloaded and saved a copy of my Experian credit report every single day since XX/XX/XXXX, and I am prepared to provide these reports as evidence that the XXXX XXXX account remained continuously on my report, in direct contradiction of Experians written statement. Therefore, Experian has violated my rights under the Fair Credit Reporting Act ( FCRA ) by falsely stating that the account was deleted, failing to delete the account, and continuing to report it without following the legal procedures required for reinsertion. 

Violations of Federal Law 1. False Statement of Deletion and Lack of Reinsertion Notice Citation : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) The law requires that if an item is deleted and later reinserted, the consumer must be notified within XXXX  business days. In this case, not only was no notice sent, but the account was never deleted, violating both the letter and the spirit of the law and because of this violation the law explicitly states that such account should be deleted from the persons credit report. So, I request the immediate deletion of this account from my credit report. 

2. Failure to Provide Method of Verification Citation : 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) I submitted a method of verification request on XXXX XXXX XXXX through the CFPB portal. My request included : Documentation linking me to the account, Payment records showing any late payments, Names and contact information for anyone contacted during the investigation.

Experian has not responded to any part of this request within the XXXX-business-day timeframe, violating the FCRA. and the clear states that if you can not provide such a information as requested then the account must be deleted from the consumer 's credit report.

3. Duty to Block Fraudulent Information Upon Identity Theft Notification Citation : 15 U.S.C. 1681c-2 ( a ) The law requires consumer reporting agencies to block any account resulting from identity theft within XXXX  business days of receiving : Proof of identity, A copy of an identity theft report, Identification of the disputed item.

I provided all required documentation. Experian has failed to block the account, despite being repeatedly notified that the account was fraudulent.

4. Failure to Conduct a Reasonable Investigation Beyond e-OSCAR Citation : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires a reasonable reinvestigation.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRAs can not merely parrot information from furnishers ; they must make independent efforts. 

Experians reliance on the automated e-OSCAR system, without any human review or substantive investigation, and without responding to my documentation, violates their legal obligation to conduct a meaningful reinvestigation. 

Summary of Relief Sought Due to the above violations, I respectfully request that : The CFPB and FTC initiate a formal investigation into Experians practices. 

Experian be compelled to permanently delete and block the XXXX XXXX account from my credit file. 

Experian be held accountable for willful and negligent violations of the FCRA under : 15 U.S.C. 1681n ( willful noncompliance statutory damages, punitive damages, attorney 's fees ), and 15 U.S.C. 1681o ( negligent noncompliance actual damages and attorneys fees ).

.

If a resolution is not achieved swiftly, I intend to take legal action against Experian to enforce my rights under federal law.

Thank you for your attention and consideration. I am available to provide supporting documentation upon request. 

Sincerely, 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