Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
XXXX. On XX/XX/XXXX and XX/XX/XXXX, I submitted official FTC Identity Theft Reports ( Nos. XXXX and XXXX ) documenting multiple fraudulent accounts, inquiries, and addresses opened in my name by an identity theft perpetrator who was convicted in XXXX in XXXX XXXX, Georgia on XXXX felony counts of fraud and identity theft. I was also a victim of a XXXX XXXX XXXX XXXX and the XXXX XXXX  XXXX XXXX, which exposed my personal identifying information ( name, address, date of birth, Social Security Number, and drivers license number ) to hackers and unauthorized parties, thus causing additional harm and facilitating the identity theft. 

XXXX. The fraudulent items identified in my FTC reports and subsequent disputes include : - The XXXX XXXX  Finance account ( ending in XXXX, closed XX/XX/XXXX ) ; - XXXX XXXX Bank credit card accounts ( ending in XXXX, opened XX/XX/XXXX, charged off {$950.00} written off with {$1200.00} past due as of XX/XX/XXXX ; and ending in XXXX, opened XX/XX/XXXX, charged off {$870.00} written off with {$1100.00} past due as of XX/XX/XXXX ), both flagged as potentially negative and resulting from the same identity theft ; - A recently discovered unauthorized XXXX XXXX XXXX. XXXX inquiry ( dated XX/XX/XXXX ) at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, linked to a collection purpose ; - Other unauthorized hard inquiries ( excluding those from XXXX  and XXXX XXXX ), all stemming from the identity theft and not included in my initial FTC reports due to their recent identification ; - Fraudulent residential addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX ( all unit/suite variations ), XXXX, GA XXXX ; and XXXX XXXX XXXX, XXXX, GA XXXX, which Experian has internally classified as high-risk non-residential business addresses associated with fraud. 

Notably, XXXX other fraudulent bank accounts previously listed on my report were successfully removed as fraud following my FTC submissions. However, the XXXX XXXX Bank accounts have reappeared and been confirmed as accurate despite my XX/XX/XXXX dispute and the submitted FTC reports, demonstrating inconsistent and unlawful handling. 

XXXX. Despite receiving my FTC reports and evidence of fraud, Experians XX/XX/XXXX notification ( received via email and referencing an updated credit report ) indicates the TD Auto Finance account " remains '' after a dispute, the XXXX Bank accounts are unchanged from the XX/XX/XXXX processing, and the fraudulent addresses persist, confirming violations of XXXX U.S.C. XXXX ( a ) since XX/XX/XXXX. 

XXXX. Copies of my prior FTC Identity Theft Reports ( Nos. XXXX and XXXX ) are enclosed for reference. 

XXXX. LEGAL VIOLATIONS XXXX. Violation of XXXX U.S.C. XXXX ( a ) ( c ) : Failure to Block and Remove Identity Theft Information Experian was legally obligated to block and delete all accounts, inquiries, and addresses identified as resulting from identity theftincluding the TD Auto Finance account, XXXX Bank accounts XXXX XXXX inquiry, other unauthorized hard inquiries, and the listed fraudulent addresseswithin XXXX business days of receiving my FTC reports XXXX proof of identity, identification of the items, and my statement that they do not relate to any transaction by me. Its failure to do so, instead relying on furnisher verification without considering my evidence ( conviction, federal judgment, and FTC documentation ), constitutes a willful violation of federal law, as XXXX mandates blocking unless an error, misrepresentation, or consumer benefit is reasonably determinednone of which apply here. The reappearance and confirmation of the XXXX Bank accounts, despite prior successful removals of similar items, further evidences this noncompliance. 

XXXX. Violation of XXXX U.S.C. XXXX ( a ) : Failure to Conduct a Reasonable Reinvestigation Experians reinvestigation, completed beyond the XXXX requirement ( extendable to 45 days in limited cases ), ignored clear evidence, including official FTC documentation and the inconsistent treatment of similar fraudulent accounts and addresses. This rendered its investigation legally deficient and unreasonable, violating the duty to delete unverifiable or inaccurate data, including unauthorized inquiries and fraudulent addresses. 

XXXX. Violation of XXXX U.S.C. XXXX ( b ) : Failure to Ensure Maximum Accuracy By continuing to report false and defamatory informationsuch as the charged-off US Bank accounts , unauthorized inquiries, and fraudulent addressesdespite verified evidence of fraud ( FTC reports XXXX conviction, and federal lawsuit ), Experian breached XXXX statutory duty to maintain procedures ensuring maximum accuracy. 

XXXX. Violation of XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) : Failure to Delete Unverifiable Information Once the fraudulent nature of the accounts, inquiries, and addresses was confirmed via FTC reports, Experian had no legal basis to continue reporting them or to restore them based on furnisher input. Its refusal to delete the tradelines, inquiries, and addresses is an ongoing unlawful act, particularly given the selective removal of other fraudulent bank accounts.

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