Consumer complaint received 2025-09-02 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: MD

Complaint narrative:
I am writing to urgently lodge a formal complaint against Experian regarding its ongoing failure to remove fraudulent accounts and inaccurate information from my credit report. I have been disputing multiple unauthorized credit entries with Experian since XXXX, yet the false information remains. Most recently, I filed a complaint with the CFPB on XX/XX/XXXX ( Case # XXXX ), but Experian has still not corrected or deleted the clearly fraudulent data on my credit file. This letter details the situation, supported by evidence ( including an official police report ), and outlines how Experians inaction violates federal consumer protection laws, notably the Fair Credit Reporting Act ( FCRA ). 

Background and Identity Theft Details I am a victim of identity theft, as documented in the attached XXXX XXXX XXXX XXXX report XXXX XXXXXXXX ( filed XX/XX/XXXX ). Upon reviewing my credit reports in XX/XX/XXXX, I discovered numerous accounts and entries on my Experian report that I did not recognize. These include multiple unauthorized accounts, incorrect personal information, and hard inquiries that I never initiated or consented to. Below is a summary of the fraudulent items still being reported by Experian, despite my repeated disputes : Unauthorized Credit Accounts : Several accounts appear on my Experian report that I never opened or authorized, including accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and a collection account by XXXXXXXX XXXX These accounts carry large balances or charge-offs and were opened without my knowledge. For example, the XXXX XXXX XXXX  accounts and XXXX  accounts are marked as derogatory potentially negative items, and the XXXX XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX ) was even reported as a joint account with an unknown individual, yet I had no involvement in it. I have never applied for or benefited from any of these accounts, which clearly stem from identity theft or a mixed file error. 

Inaccurate Personal Information ( Addresses and Name ) : Experians report shows addresses and personal identifiers that are not mine. Specifically, my credit file lists addresses at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  where I have never resided or used on any application. My legal and only residence is XXXX XXXX XXXX XXXX XXXX, XXXX, MD ( as confirmed by my drivers license and other records ). Additionally, some accounts on the report are under the name XXXX XXXX ( omitting XXXX ), which is not my full legal name. This incomplete name suggests that Experian may be mixing my file with another individuals, potentially my fathers or someone with a similar name a known FCRA violation when Jr/Sr distinctions are ignored incharge.org. In sum, Experian is reporting personal data that is inaccurate and not actually mine, contributing to the confusion and harm.

Unauthorized Credit Inquiries : My Experian report also shows hard credit inquiries that I never authorized or initiated. Notably, there are inquiries from XXXX, XXXX XXXX, and XXXX that are entirely fraudulent. These inquiries indicate attempts to obtain credit in my name without my permission. They not only reflect the ongoing identity theft issues but also negatively impact my credit score. I have never sought credit from those companies in the timeframes indicated, confirming that these inquiries are illegitimate.

All of the above fraudulent accounts, addresses, and inquiries have severely damaged my credit, undermined my financial stability, and caused me significant distress. I have diligently never applied for or authorized any of these entries, and I have provided clear evidence of identity theft to Experian ( including the police report ). Despite this, Experian has allowed these false entries to persist on my file for an unacceptably long time. 

Experians Failure to Act on Disputes ( Since XXXX to Present ) I have made repeated attempts since XXXX to resolve these issues through Experians dispute process, as well as through formal complaints, yet Experians responses have been grossly inadequate. I initially contacted Experian to dispute the fraudulent accounts and incorrect personal data as soon as I became aware of them. Over the past several years, I have submitted multiple disputes both in writing and online, providing supporting documentation each time. Rather than fully removing the bogus accounts and data, Experian either verified the items without proper investigation or made superficial updates that did not solve the problem. 

For example, after my most recent disputes in XXXX ( around the time of my XXXX CFPB complaint ), Experian sent me a dispute results report dated XX/XX/XXXX. In that report, one of the fraudulent accounts a XXXX XXXX XXXX XXXX loan that I never opened was simply marked as updated rather than deleted. The accounts status was changed to Paid, Closed/Never late and noted to remain on my credit file until XX/XX/XXXX, despite my clear assertion that the account is fraudulent. In other words, Experian chose to retain a known fraudulent tradeline on my report for another five years, merely adjusting its status, which is utterly unacceptable. Other disputed accounts ( such as the XXXX and XXXX XXXX XXXX accounts ) were similarly left on the report, designated as potentially negative items, or verified by the furnishers, without removal. In one case, Experian responded that a furnisher certified the information as accurate and thus this item was not changed as a result of our processing of your dispute, demonstrating a disturbing lack of meaningful investigation into my fraud claims. 

Even after involving the CFPB via my XX/XX/XXXX complaint, Experians remediation has fallen short. As of today, multiple unauthorized accounts, incorrect addresses, and inquiries remain on my Experian credit file, continuing to XXXX my credit profile. It appears Experian has either ignored some of my disputes or failed to properly investigate and resolve them. I have provided every piece of evidence asked of me including the identity theft police report and proof of my true identity and address yet Experian has not fully cleansed my report. This prolonged failure to correct my file is not just a clerical error ; it is a systemic refusal to comply with Experians obligations under federal law.

Violations of Law Experians Actions Breach the FCRA and Consumer Rights Experians conduct in this matter violates my rights under the Fair Credit Reporting Act ( FCRA ), as well as provisions of other consumer protection laws. I wish to highlight the key legal points and how Experian has breached them : Failure to Investigate and Correct Inaccurate Information : The FCRA requires consumer reporting agencies to ensure accuracy in reports and to conduct reasonable investigations of disputed information consumerfinance.gov. When a consumer identifies information as fraudulent or incorrect, the credit bureau must promptly investigate and remove or correct the information if it can not be verified as accurate. In my case, Experian has plainly failed to meet this standard. Despite my numerous disputes and evidence, Experian did not properly investigate or it conducted only perfunctory sham investigations and left blatantly false information on my report. In fact, the CFPB itself recently sued Experian for unlawfully failing to properly investigate consumer disputes, noting that Experian often conducts sham investigations that result in incorrect data staying on credit reports in violation of federal law consumerfinance.gov consumerfinance.gov. My experience tragically exemplifies this pattern of non-compliance. By uncritically deferring to furnishers dubious verifications or by making only cosmetic changes, Experian has ignored its duty to correct or delete information that is inaccurate, incomplete, or unverifiable incharge.org. This is a direct violation of FCRA Section 611 ( 15 U.S.C. 1681i ) and related provisions which mandate good-faith reinvestigation of disputes and correction of erroneous data.

Failure to Block Information Resulting from Identity Theft : Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), a credit bureau must block ( i.e. remove or suppress ) information that resulted from identity theft within 4 business days of receiving proof of the identity theft. Specifically, if the consumer submits an identity theft report to the CRA, identifies the fraudulent information, and states that its not theirs, the CRA is required to prevent that information from continuing to appear on the credit report. I have done exactly that : I provided Experian with a formal Identity Theft Report ( the police report attached ) and a written statement that the accounts/inquiries in question are not mine. Despite having all necessary documentation for months, Experian has not fulfilled its obligation to block the fraudulent accounts and inquiries. Each day those identity-theft-related accounts remain on my file, Experian is flouting FCRA 605B. There has been ample time ( far beyond 4 business days ) since Experian received my identity theft report, yet the harmful items persist. This failure to act is not only unlawful but also demonstrates a willful disregard for my rights as an identity theft victim. 

Reporting Inaccurate Personal Identifiers/ Mixed File Issues : The FCRA also implicitly requires credit reporting agencies to maintain accurate personal identifying information for consumers, to avoid mixed files. Reporting addresses that I never lived at and failing to distinguish my suffix XXXX ( thereby potentially commingling my file with another persons data ) reflect extremely poor practices by Experian. As noted in consumer protection literature, one common FCRA violation is when bureaus mix one persons information with anothers due to similar names or SSNs for example, failing to differentiate a XXXX from a XXXX. 

. It appears likely that some of the erroneous entries on my report ( such as the auto loan jointly attributed to someone named XXXX XXXX XXXX ) stem from such a mixed file error, compounding the damage from the identity theft. Experians duty to use reasonable procedures to assure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) includes preventing this kind of file mix-up. By allowing my credit file to be polluted with someone elses addresses and accounts, Experian has breached this duty and reported information that it should know is inaccurate. 

In summary, Experians persistent failure to remove the fraudulent accounts and data from my report constitutes clear violations of the FCRA. These include failing to investigate and correct inaccuracies, failing to block identity-theft-related information, and failing to maintain accurate personal data. Such conduct may also violate the general prohibition on unfair practices under the Consumer Financial Protection Act, since Experian is effectively continuing to harm me by reporting false credit information long after being notified. I want to emphasize that my rights under federal law are being trampled the FCRA grants me the right to dispute inaccurate information and have it corrected or deleted, and it grants me special protections as an identity theft victim. Experians non-compliance with these requirements is not only wrongful but has real, damaging consequences for my life.

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