Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
I am once again submitting this complaint to report willful and malicious misconduct regarding the mishandling and continued inclusion of fraudulent and inaccurate accounts on my credit reports by Experian, Equifax, and TransUnion. Despite multiple disputes and the submission of documentation, these credit bureaus have failed to conduct proper investigations, and have allowed harmful, false information to remain violating the Fair Credit Reporting Act ( FCRA ). 

The following accounts must be immediately removed : 1. All four accounts from XXXX XXXX XXXX I did not open or authorize these personal loan accounts. 

XXXX. XXXX XXXX XXXX This was a fraudulent auto loan opened by my ex-husband. The bureaus were provided a police report, a signed affidavit, and lender confirmation that this was fraud. 

XXXX XXXX XXXX XXXX  This was not a repossession. My XXXX XXXX XXXX was a lemon and was bought back by the manufacturer in XX/XX/XXXX. I submitted documentation of this Lemon Law buyback. 

XXXX. XXXX XXXX XXXX I have no affiliation or account with this company. They falsely claimed it was paid in a settlement and I HAVE NEVER paid them anything because I didnt open the account. They claimed it was a joint account with my ex but I never signed up for it and after I threatened legal action they changed it to paid in a settlement its not my account and I want it deleted from all credit bureaus immediately. 

XXXX. XXXX  This account has never reported a late payment, yet is being misrepresented and has negatively impacted my file. I spoke to XXXX  and they stated they never reported anything to the bureaus in regards to any past due. 



Repeated Mishandling and Dispute Misconduct I have saved every response from prior CFPB complaints. In multiple responses, Experian replied in all caps stating EVERYTHING BELONGS TO YOU, despite the evidence I submitted. These dismissive and false responses will be submitted to the California Attorney General, the FTC, and my legal counsel as proof of willful misconduct. 

I have also been blocked from accessing my TransUnion credit report via their website and XXXX, in direct violation of my FCRA rights. I have to resort to third party credit files like my fico to see my TransUnion report. 

I also want to add I dont want these accounts closed I want them removed immediately. 

Financial Harm Due to False Reporting As a direct result of the false and damaging information being allowed to remain on my reports, I was forced into a subprime auto loan in XX/XX/XXXX when I purchased my XXXX. Ive made every payment on time, yet the loan balance remains above {$39000.00}. 
I financed {$40000.00} My monthly payment is {$1100.00} Despite paying consistently, my balance hasnt moved significantly Ive already paid over {$13000.00} with no principal progress Had my credit been accurate, I would have qualified for better financing. Based on my financial records, Ive incurred at least {$20000.00} in financial harm from the inflated interest rate and poor loan terms.

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