Consumer complaint received 2025-06-08 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My name is XXXX XXXX, and I was born on XX/XX/XXXX. I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) concerning an inaccurate and unauthorized entry on my credit report maintained by Experian, specifically regarding the account titled " XXXX XXXX XXXX XXXX ( Account No. XXXX ). On XX/XX/XXXX, I initiated a formal dispute with Experian regarding this entry, as I do not recognize this account and have never opened or authorized such an account. Despite initiating the dispute in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), the inaccurate account remains on my credit file, causing me reputational and financial harm. 

The continued reporting of this account by Experian constitutes a willful or negligent violation of my rights under the FCRA, codified in 15 U.S. Code 1681b, specifically subsection ( e ), and other relevant provisions of federal and potentially state consumer protection laws. Section 1681b ( e ) prohibits the disclosure of consumer information to third parties without a permissible purpose. This inaccurate and unauthorized account was either included in my file without a permissible purpose or has remained on my credit report despite clear notification of its inaccuracy and my lack of association with the account. 

Further, Experians failure to delete this inaccurate information after a formal dispute violates 15 U.S. Code 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation into disputed items within 30 days of receiving notice from the consumer. Experians lack of prompt and effective corrective action also violates 15 U.S. Code 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy in the information they report. The presence of this account contradicts the principle of maximum accuracy, especially given that I have contested it and no legitimate creditor has provided verifiable documentation showing that I initiated or am responsible for this debt.

Additionally, Experian 's inaction following my dispute may represent a violation of 15 U.S. Code 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. If XXXX XXXX XXXX was contacted during Experians investigation and either failed to conduct a reasonable investigation or failed to notify Experian that the account was inaccurate, that would constitute a breach of their duties as furnishers. Likewise, if Experian did not reasonably reinvestigate, failed to communicate with the furnisher, or did not take action based on the outcome of the reinvestigation, it also breached its responsibilities under the law.

I have experienced ongoing financial harm due to the presence of this erroneous account. It has negatively affected my creditworthiness and may have contributed to increased costs of borrowing, difficulty obtaining credit, and the undermining of my overall financial profile. The psychological and emotional stress stemming from being misrepresented as a debtor for an account that I never opened or authorized is significant. I have lost time, peace of mind, and opportunities because of Experians negligence or willful disregard for the accuracy of the information they report. 

The FCRA was enacted to ensure fairness, accuracy, and privacy of the personal information contained in the files of credit reporting agencies. Its purpose is to protect consumers from the very kind of error that I have experienced, and to provide recourse for rectifying inaccuracies. When credit bureaus like Experian fail to uphold their responsibilities, they erode consumer trust and violate the core principles upon which the FCRA is built. Allowing false accounts to remain on a credit file after being properly disputed is not only unethical but illegal. 

Moreover, my rights under the Fair Debt Collection Practices Act ( FDCPA ) may have also been violated if any attempts were made to collect on this debt, or if the presence of this account is the result of unlawful collection tactics or identity fraud. If this is a case of identity theft, Experian is further required to block the reporting of such fraudulent information upon proper notification and documentation, as stipulated in 15 U.S. Code 1681c-2. My previous communication and dispute should have triggered this process, and their failure to take action only amplifies the legal violation. 

As a consumer, I should not be burdened with the legal and financial consequences of a mistake or fraud that I did not commit. Experian 's failure to follow protocol and remove the inaccurate XXXX XXXX XXXX account from my file following my dispute not only violates federal law, but it places me in a position where I may be forced to pursue legal action in order to protect my financial identity and exercise my rights under the law. I have preserved all documentation related to this account, my dispute, and the lack of corrective action from Experian, which I am prepared to submit in a legal forum if necessary. 

It is clear that Experian has failed to act within the statutory guidelines of the FCRA and related laws. Their continued reporting of this inaccurate and unauthorized account is unlawful and must be addressed immediately. I demand that the CFPB investigate this matter in full and hold Experian accountable for the ongoing violations of my rights. I respectfully urge the Bureau to ensure that Experian not only removes this account from my report but also takes necessary steps to prevent this type of failure in their consumer reporting practices in the future.

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