Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am reporting Experian for repeatedly violating my federally protected consumer rights, refusing to comply with lawful requests, and circulating false, inaccurate, and unverifiable information on my consumer credit filedespite being placed on formal legal notice. 

Over the past several months, I have filed multiple disputes with Experian concerning accounts on my credit report that are incorrect, fraudulent, or improperly verified. These disputes were supported by extensive documentation, including a notarized affidavit of identity theft, a certified mailed Identity Theft Report, a fraud alert placed on my file, and requests for security freezes. I also provided government-issued ID and proof of address. Despite providing this information, Experian falsely claimed that I did not update my personal details or submit the required documentation. 

Experian has disregarded its obligation under the Fair Credit Reporting Act ( FCRA ) to block, delete, or correct inaccurate data within 4 business days upon receipt of identity theft documentation. They also failed to conduct a reasonable human-led investigation as required under FCRA 611 . Instead, it appears they relied on the automated E-OSCAR system or artificial intelligence to reject my disputes without proper review or investigation.

Specific issues include : Reporting nine Department of Education student loans as traditional credit accounts, which misrepresents the nature of the debt and unfairly impacts my credit utilization and score. 

Continuing to report a discharged bankruptcy, even though XXXX primary source for such datahas no bankruptcy listed under my name. This raises serious concerns about the origin and validity of the bankruptcy information Experian is publishing. 

Maintaining closed or inactive accounts with negative payment histories, including accounts marked with late payments, without proper reinvestigation. 

Ignoring identity theft indicators, even though I have a fraud victim statement on file that instructs creditors not to extend credit without directly contacting me. 

Disregarding certified documentation sent via mail and denying receipt of legal documents despite delivery confirmation. 

Failing to honor a legal freeze and fraud alert placed on my credit file, thereby continuing to expose my personal information to potential harm. 

Experians misconduct has caused significant distress and financial harm. Their actions not only violate FCRA ( 15 U.S.C. 1681 ), the Fair and Accurate Credit Transactions Act ( FACTA ), and consumer protection laws, but also show a willful disregard for my legal rights and privacy. I have already reported them to the FTC and have issued a legal notice stating that I will pursue civil litigation if the requested removals, deletions, and corrections are not made within 15 days. 

The companys failure to follow required federal procedures is not only negligent but malicious, as it continues to negatively impact my creditworthiness and personal livelihood. The inaction and false statements by Experian directly contradict the evidence I have submitted and the laws meant to protect me as a consumer.

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