Consumer complaint received 2025-12-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Company : Experian Information Solutions , Inc . 
Product : Credit Reporting Issue : Inaccurate information ; failure to conduct reasonable investigation ; identity theft ; unlawful reinsertion ; sham investigation practices COMPLAINT NARRATIVE I am filing this complaint against Experian Information Solutions , Inc. for repeated, ongoing, and systemic violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to failures under 15 U.S.C. 1681e ( b ), 1681i, 1681c-2, and 1681s-2, resulting in substantial and continuing harm to me as a consumer and as a documented victim of identity theft. 

1. IDENTITY THEFT FORMAL NOTICE PROVIDED AND IGNORED I am a verified victim of identity theft. I have provided Experian with : FTC Identity Theft Report IRS confirmation letter stating that I am a victim of identity theft Ongoing efforts to obtain a police report ( currently in process ) Despite receiving formal identity theft documentation, Experian has failed and refused to block or permanently suppress fraudulent information, as required under FCRA 1681c-2. Experian continues to report accounts that are not mine and that I have never authorized, used, or benefited from. 



2. FRAUDULENT MEDICAL DEBT XXXX XXXX XXXX ( {$2000.00} ) Experian continues to report or reinstate a fraudulent medical account from XXXX XXXX XXXX in the amount of {$2000.00}. 
I have never received medical treatment from this facility I did not authorize the use of my personal or insurance information This account is the result of medical identity theft I have repeatedly disputed this account and clearly informed Experian that it is not mine. Experian has nonetheless continued to mark the account as verified, without providing me with any documentation demonstrating how the account was linked to me or how it was allegedly verified. 

This conduct constitutes : Failure to conduct a reasonable investigation Failure to block identity-theft-related information Improper reliance on furnisher assertions Reporting of demonstrably inaccurate information 3. STUDENT LOAN MISREPORTING DEPARTMENT OF EDUCATION XXXX XXXX Experian is also reporting inaccurate delinquency information related to my federal student loans serviced by XXXX, despite being provided with clear, written proof that : My account is in an approved deferment The deferment period runs from XX/XX/XXXX through XX/XX/XXXX I am not past due and can not lawfully be reported as delinquent during this period Other credit bureaus have taken corrective steps after receiving this documentation. Experian has not. 

Instead, Experian continues to report inaccurate late or delinquent status, causing unnecessary harm to my credit profile, despite indisputable evidence that the information is false. 



4. SHAM INVESTIGATIONS AND FAILURE TO VERIFY Experian engages in sham investigation practices by : Relying solely on automated responses from furnishers Failing to independently review documentary evidence provided by the consumer Repeatedly marking disputed accounts as verified without explanation Refusing to disclose the information allegedly relied upon to verify the accounts Each time I request : Please provide the documentation you received that allegedly verifies this account, Experian fails to provide any such documentation. 

This is not a reasonable investigation under the FCRA. It is a rubber-stamp process that places furnisher convenience over statutory consumer protections. 



5. UNLAWFUL REINSERTION OF PREVIOUSLY DELETED INFORMATION Experian has failed to implement basic internal matching and suppression controls that prevent or greatly reduce the likelihood of reinsertion of previously deleted tradelines. 

Specifically : Experian allows inaccurate accounts to reappear under the name of a new or modified furnisher Newly reported information is not properly matched against prior deletions, disputes, or identity-theft flags The same underlying fraudulent debt reappears without notice, explanation, or lawful reinvestigation Consumers, including myself, reasonably believe their credit reports have been corrected, only to later discover that the same inaccurate information has reappeared, sometimes under a different furnisher name, in violation of FCRA 1681i ( a ) ( 5 ) ( B ). 

Experian also fails to provide the required written notice of reinsertion, further compounding the violation. 



6. SYSTEMIC FAILURE AND DISPARATE TREATMENT AMONG BUREAUS Experian is the only credit bureau continuing to report these inaccuracies. Other bureaus have taken additional steps to investigate, verify, or remove the disputed information. 

Experians refusal to do so demonstrates : Failure to maintain reasonable procedures to assure maximum possible accuracy Disregard for identity theft protections Systemic overreliance on automated furnisher responses Indifference to consumer-provided evidence This conduct is especially troubling given public enforcement actions and lawsuits filed against Experian for sham investigations and inaccurate reporting, including actions brought by consumer protection authorities in early XXXX. 



7. CONSUMER HARM As a direct result of Experians actions and omissions, I have suffered : Ongoing credit damage Emotional distress and anxiety Time lost disputing the same inaccurate information repeatedly Continued exposure to unlawful collection efforts Denial or impairment of financial opportunities Experians conduct has made my life a living nightmare, despite my full cooperation, extensive documentation, and repeated good-faith efforts to resolve these issues. 


REQUEST FOR CFPB ACTION I respectfully request that the CFPB : 1. Investigate Experians dispute handling and reinsertion practices 2. Examine Experians reliance on automated furnisher responses 3. Require Experian to permanently block identity-theft-related accounts 4. Mandate correction of the inaccurate medical and student loan reporting 5. Require Experian to implement meaningful reinsertion-prevention controls 6. Impose corrective and enforcement action as appropriate FINAL STATEMENT Experians conduct is not accidental, isolated, or consumer-protective. It reflects systemic noncompliance with the Fair Credit Reporting Act and a deliberate failure to protect identity theft victims from repeated harm. 

I am requesting immediate regulatory intervention. 

Date and Time of Call : XX/XX/XXXX at approximately XXXX XXXX 

10. DEROGATORY AND DISCRIMINATORY CONDUCT BY EXPERIAN REPRESENTATIVE ( DOCUMENTED ) On XX/XX/XXXX at approximately XXXXXXXX XXXX., I contacted Experian by telephone after being unable to submit my dispute online through Experians system. The online platform would not permit submission, forcing me to dispute verbally with a customer service representative. 

During this call, I attempted to clearly explain : The nature of the inaccurate information That I am a victim of identity theft What specific information needed to be recorded in the dispute How and where I could submit supporting documentation Due to ongoing communication difficulties and the seriousness of the dispute, I requested to speak with a representative located in the United States, solely for the purpose of ensuring accurate communication and proper documentation. 

In response, the Experian representative accused me of being XXXX, repeatedly stating words to the effect of you are XXXX. This accusation was made despite my explicit statements that my request was based entirely on communication clarity and accuracy, not race, ethnicity, or nationality. 

I clearly and calmly stated that I was not being XXXX and that I simply needed assurance that the dispute was being recorded correctly and that I would be able to submit proof. Nonetheless, the representative persisted in labeling me as XXXX. 

This conduct was : Unprovoked Derogatory Humiliating Unprofessional Completely inappropriate in a regulated consumer reporting context Being falsely accused of racism by an Experian representative during an identity theft dispute is deeply offensive and constitutes unacceptable customer service conduct. 

11. SYSTEMIC CUSTOMER SERVICE FAILURES AND CONSUMER HARM Experians practicesblocking online dispute submissions, forcing consumers to rely on verbal disputes, failing to ensure accurate recording of disputes, and allowing representatives to engage in derogatory conductcreate unnecessary and repeated harm to consumers. 

These failures : Prevent consumers from clearly controlling the content of their disputes Increase the likelihood of mischaracterized or incomplete investigations Discourage effective resolution of identity theft claims Cause emotional distress and reputational harm This treatment compounds the damage caused by Experians continued reporting of inaccurate information and reflects a lack of diligence, accountability, and respect owed to consumers. 

Experian should be required to review the recorded call from XX/XX/XXXX at approximately XXXXXXXX XXXX, as it will corroborate the obstruction of the dispute process and the derogatory statements made by its representative.

Company response to consumer: Closed with non-monetary relief