Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Supplemental CFPB Complaint Update : Ongoing FCRA Violations by Experian Summary of Recent Unauthorized Credit Report Change On XXXX XXXX, 2025, Experian made an unauthorized change to my credit report during an active CFPB dispute. Specifically, Experian updated my file to continue reporting a XXXX XXXX XXXX account that I have repeatedly disputed as inaccurate and not mine. This update was done outside of the CFPBs complaint portal Experian did not communicate the change through the CFPB process or notify the CFPB at all. Instead, Experians own correspondence on XXXX XXXX, 2025 indicated that the XXXX XXXX account has not been changed and will remain on your credit report, despite my ongoing dispute. This deliberate action bypassed the official CFPB mediation and * * allowed a disputed, unverified account to remain on my report. 

Impact on Credit Score and Personal Harm As a direct result of Experians unauthorized update, my Experian credit score dropped by XXXX points ( from XXXX to XXXX on XXXX XXXX, 2025 ) This sudden score decrease has had immediate negative consequences : I have been denied new credit and even blocked from obtaining an auto loan that I urgently need. Additionally, the lower score disrupted my plans to finance necessary XXXX XXXX, as healthcare lenders are now hesitant due to the derogatory data. Beyond tangible financial setbacks, I have suffered emotional distress and reputational harm it is embarrassing and stressful to be treated as if I am financially irresponsible when in fact the derogatory information is false. Every day that this incorrect account remains, it damages my creditworthiness and causes continued anxiety. 

Flawed Verification Process and Data Misidentification Experians handling of my dispute reveals a deeply flawed verification process. In prior communications, Experian essentially admitted that it relies on third-party public record vendors for verification of information, rather than obtaining original documents from the actual creditor or court records. In my case, the name and account in question ( XXXX XXXX and the XXXX XXXX XXXX account ) appear to have been pulled from a public records aggregator that has no legitimate connection to me. 
For example, a public records website ( XXXX ) incorrectly links my identity to XXXX XXXX XXXX at an address XXXX XXXX XXXX, XXXX, IL a place I have never lived The sites results show XXXX XXXX in XXXX, IL as an entry for XXXX XXXX XXXX, age XXXX, with aliases including XXXX XXXX and other names. Nowhere does my correct legal name or actual address appear on that report, confirming that this is a misidentification caused by faulty third-party data. Nonetheless, Experian has treated this erroneous public data as verified information on my credit file. 

XXXX records further prove the error XXXX representatives have stated they could not locate any credit file under my legal name at all, which strongly indicates that the negative account and name variation belong to someone else. In short, Experian has mixed my file with another individuals data due to over-reliance on unverified public sources. This failure to ensure accuracy has led to unwarranted damage to my credit through no fault of my own. 

Violations of the Fair Credit Reporting Act ( FCRA ) Experians actions constitute clear violations of multiple provisions of the Fair Credit Reporting Act designed to protect consumers like me : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy : Credit bureaus must follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports, yet Experian allowed patently false information ( someone elses account and name ) to remain on my report. By merging my identity with XXXX XXXX and reporting an account not mine, Experian failed its duty to maintain accurate information. 
15 U.S.C. 1681i Failure to reasonably reinvestigate disputes : When a consumer disputes information, the bureau is obligated to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Experian, however, conducted no reasonable reinvestigation of my repeated disputes. It simply left the XXXX XXXX XXXX account in place without proper verification, even while a CFPB-facilitated investigation was ongoing. This lack of a bona fide investigation into my dispute violates 1681is requirements.

15 U.S.C. 1681n Willful ( and also negligent ) noncompliance : Experians continued inclusion of false information and its disregard for the official dispute process appear willful, or at minimum grossly negligent. Under 1681n, willful FCRA violations make the bureau liable for the consumers actual damages as well as punitive damages and attorneys fees. Experians knowing failure to correct the errors despite being presented with evidence and even admitting its reliance on dubious data shows a willful noncompliance with the laws requirements to act fairly and accurately. 

These FCRA violations are not just technicalities ; they have real impacts on my life, as described. Notably, the CFPB itself has recently highlighted similar systemic issues with Experians dispute handling. In XXXX 2025, the CFPB sued Experian, alleging that the company does not take sufficient steps toinvestigateconsumer disputes, resulting in the inclusion of incorrect information on credit reports.. Experians sham investigations ( as CFPB Director  XXXX XXXX termed it ) leave consumers like me stuck with inaccurate data. My experience exemplifies this exact problem : Experian failed to properly investigate my dispute and left erroneous information on my report, thereby violating the FCRA and undermining the laws purpose. 

Requested Relief and Resolution To resolve this complaint and mitigate the ongoing harm, I respectfully request the following immediate actions : Permanent Deletion of the False Account : Remove the XXXX XXXX XXXX account from my Experian credit report immediately. This account has been demonstrated to be not mine and unverifiable, and it should have been removed during the dispute process. 
Removal of Incorrect Personal Identifiers : Delete all inaccurate names or identifiers associated with my credit file, including XXXX XXXX and any related erroneous aliases or addresses. Only my correct legal name and actual addresses should be on my report. 
Cease Use of Unverifiable Data : Provide written confirmation that Experian will no longer source or report data about me from unverifiable public record vendors. Any information that can not be confirmed via original creditors, valid contracts, or official records must not be placed on my credit file. My credit report should be based on reliable, corroborated information not internet compilations about someone else. 
Compensation for Damages : Owing to the prolonged credit harm, financial losses, and emotional distress I have suffered, I seek monetary compensation of {$50000.00}. This amount is a good-faith estimate of the damage : it covers the opportunities I lost ( loans and credit denied due to the lower score ), the out-of-pocket costs and delays caused ( for example, in securing a vehicle and medical treatment ), and intangible harm to my reputation and peace of mind. Experians willful noncompliance with the FCRA justifies such damages under the law, especially given that this situation has persisted for over a year despite my efforts to correct it. 

In summary, Experian has repeatedly failed to uphold its legal obligations, and I am facing ongoing injury as a result. I urge the CFPB to take all appropriate actions to enforce my rights under the FCRA. I appreciate the CFPBs attention to this matter and trust that with your assistance, these issues will finally be rectified. 

Thank you for allowing me to provide this supplemental update to my complaint. I look forward to a prompt resolution that restores the accuracy and integrity of my credit report. 

Attachments/Supporting Evidence : Relevant screenshots and correspondence have been provided to substantiate the facts above. The included evidence shows the credit score drop, Experians dispute response, and the incorrect public record data linking me to XXXX XXXX. ( Please refer to the images and any uploaded files for verification. )

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