Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against Experian for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding fraudulent accounts on my credit report. 
I filed a first dispute on XX/XX/XXXX, and submitted a police report and the following FTC identity theft reports ( Reports # : XXXX & XXXX ), as evidence pursuant to 15 U.S.C. 1681c-2. The credit bureau acknowledged my dispute but has not complied with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
Additionally, some of the fraudulent accounts that were previously deleted were later reinserted without providing the mandatory notice within 5 business days, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 
Despite my initial request for the blocking of these fraudulent accounts, the following accounts remain on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VIOLATIONS : 15 U.S.C. 1681i ( 7 ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information. 
15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Verification Requirement : Per the FCRA, credit reporting agencies are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( s ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized and fraudulent account. 
Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified and validate, per 15 U.S. Code 1681i ( a ) ( 5 ), I request the deletion of any unverifiable information. 
Failure to Investigate Accurately under ( 15 U.S. Code 1681i ) : After submitting a dispute regarding inaccuracies on my credit report, I have not received a thorough investigation within the mandated 30-day timeframe. 
According to 15 U.S.C. 1681c-2, credit reporting agencies are required to block disputed information identified as resulting from identity theft within four business days of receiving a valid identity theft report. Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), any unverifiable or inaccurate information must be removed from my credit report. 
Inadequate Compliance Procedures ( 15 U.S. Code 1681e ( b ) ) : The bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of the information provided on my report. I am requesting detailed information on the procedures used during the investigation. 
I demand that the CFPB investigate this matter and take appropriate action to ensure that these fraudulent accounts being deleted from my credit report immediately and permanently. I expect a prompt resolution to this issue and would appreciate any guidance you can provide regarding my rights in this matter. 
Thank you for your attention to this urgent issue.

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