Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This complaint is filed against Experian for serious and repeated violations of the Fair Credit Reporting Act ( FCRA ) concerning the reinsertion and continued reporting of unauthorized, unverifiable, and identity theftrelated accounts in my credit file. 
Disputed Accounts : XXXXXXXX XXXX Account XXXX : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX I submitted a formal dispute to Experian challenging the above accounts, accompanied by a valid FTC Identity Theft Report ( No. XXXX ) and my personal identification documents. Despite this, Experian failed to comply with multiple provisions of the FCRA : 1. Failure to Block Identity Theft Information FCRA 605B ( 15 U.S.C. 1681c-2 ) : Once Experian received my FTC Identity Theft Report, it was legally obligated to block the disputed information within 4 business days. Experian failed to do so, constituting a direct violation of 605B.

2. Lack of Permissible Purpose FCRA 604 ( 15 U.S.C. 1681b ) : Experian has not demonstrated that these accounts were furnished with a permissible purpose. No consumer relationship, authorization, or legal justification has been provided.

3. Failure to Provide Documentation FCRA 609 ( 15 U.S.C. 1681g ) : I specifically requested copies of original signed contracts, applications, or disclosures establishing a lawful consumer relationship. Experian failed to provide these documents, depriving me of my statutory right to receive all information in my credit file, including sources and permissible purpose.

4. Unreasonable Reinvestigation FCRA 611 ( a ) ( 15 U.S.C. 1681i ) : Experian relied on unverifiable certifications from furnishers without producing admissible source documents or evidence. A reinvestigation that consists solely of automated e-OSCAR form responses is not reasonable as required by law.

5. Failure to Provide Notice of Reinsertion FCRA 611 ( a ) ( 5 ) ( B ) : The dispu
ted accounts were deleted and later reinserted into my file without Experian providing me with the legally required written notice within 5 business days. This reinsertion was unlawful and invalid.

6. Failure to Certify Non-Reliance on Automated Systems FCRA 611 ( a ) : I demanded confirmation that Experians reinvestigation was not limited to reliance on automated systems such as e-OSCAR or third-party vendors. Experian has not provided such certification, further proving the reinvestigation was inadequate.

7. Civil Liability FCRA 616617 ( 15 U.S.C. 1681n1681o ) : By failing to comply with the above provisions, Experian has engaged in both willful ( 1681n ) and negligent ( 1681o ) noncompliance with the FCRA. These violations expose Experian to actual damages, statutory damages, punitive damages, and attorneys fees. 
Thanks for your help

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