Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
I am filing a formal complaint against Experian for failing to remove inaccurate, unverifiable, and fraudulent information from my credit report, despite multiple certified dispute submissions, an active fraud alert, and clear evidence that my personal data was exposed in a data breach. 

My fraud alert has been active since XXXX XXXX, and my Experian file currently states : Initial Fraud Alert : Action may be required under FCRA before opening or modifying an account. Contact consumer at ( XXXX ) XXXX. ( Expires XX/XX/XXXX. ) Under FCRA 605A, Experian must ensure that no account, update, or inquiry is allowed unless my identity is verified at the phone number on the alert. That did not occur. 

XXXX. Data Breach Increases the Duty to Reinvestigate I received multiple data breach notices from TransUnion, showing that unauthorized parties accessed : My name My Social Security Number My Date of Birth My identifying information Because my personal information was exposed, Experian should treat all negative, suspicious, or unverified items as potential identity theft or fraud-enabled accounts. 

Experian did not do this. 

XXXX. Inaccurate Personal Information Still Reporting FCRA 611 ( a ) As shown in my Experian dispute letter ( attached ), Experian continues reporting : Incorrect names Old addresses Wrong employer information Phone numbers/emails that are not mine Experian did not correct or delete these errors after receiving my certified dispute.

This violates FCRA 611 ( a ). 

XXXX. Unverifiable & Fraud-Linked Accounts Still Reporting I disputed multiple negative accounts, but Experian continues reporting them despite : No validation Conflicting information Ignored certified disputes Fraud alert blocking unauthorized updates These accounts include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) failed validation and inconsistent reporting XXXX XXXX  conflicting charge-off dates charge-off balance/date inconsistent across bureaus, no itemized accounting. 
XXXX XXXX XXXX XXXX XXXX loan re-aged, profit and loss write-off inaccurate DOFD. 
XXXX XXXX XXXX XXXXXXXX inconsistent charge-off reporting XXXX XXXX XXXX late reporting after closure XXXX XXXX no documentation proving legitimacy reported derogatory without proof of liability Under FCRA 604, 609, 611 and FDCPA 809 ( b ), any account that can not be validated must be deleted.

Experian did not validate any of these accounts. 

XXXX. Unauthorized Hard Inquiries FCRA 604 Violation Experian continues to report unauthorized inquiries made during my fraud alert period.

Experian has not provided : A permissible purpose Identity verification records Any documentation These inquiries must be deleted. 

XXXX. Failure to Reinvestigate My Certified Mail Disputes FCRA 611 ( a ) I mailed 8 certified dispute letters to furnishers and Experian. 
USPS tracking shows : Delivered Delivered to agent Delivered to XXXX XXXX Picked up Available for pickup ( counts as refusal/non-validation ) Multiple delivery attempts Despite receiving my disputes, Experian : Did not correct my personal information Did not remove unvalidated accounts Did not provide validation Did not send updated investigation results Verified accounts without obtaining documentation Did not meet FCRA reinvestigation requirements This is a violation of FCRA 611 ( a ) and FCRA 607 ( b ). 

XXXX. Experian Used Improper Echo Verification Instead of conducting a real reinvestigation, Experian simply repeated what furnishers claimed even though the furnishers : Did not respond Ignored the certified letters Refused validated documentation Provided inconsistent information Were unable to prove identity verification This is NOT a lawful reinvestigation under FCRA.

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