Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX XXXX Subject : Formal Complaint Against Experian for Identity Stall Letters and FCRA Violations To Whom It May Concern, I am writing to file a formal complaint against Experian Information Solutions , Inc. due to illegal stall tactics in the form of identity verification stall letters and a failure to resolve my dispute, which is a clear violation of FCRA. These stalling letters and the lack of action on Experians part have caused significant emotional distress and harm, and I seek immediate resolution of this matter, including monetary compensation for the damages incurred. I also request the CFPBs intervention in this case. 

Summary of Facts : Stalling Letter and Failure to Act : On XXXX XXXX XXXX Experian sent me an identity verification stall letter, stating that I had not submitted the necessary information for identity verification, despite having sent a tracking-enabled mail that contained legible and readable copies of my FTC Identity Theft Report, drivers license, and other required documents. Additionally, I also uploaded these documents directly through the Experian dispute portal, which was confirmed by Experians representative, XXXX, during my call on XXXX XXXX XXXX. 

Inconsistent Statements and Delays : Despite following XXXX instructions and providing all required documents in a timely and clear manner, I continue to receive stalling letters. These letters, which are legally questionable, are hindering my ability to resolve the fraudulent account and are violating my rights under FCRA Section 1681i. The stall letters from Experian are not only unnecessary but also malicious in delaying resolution and causing further distress. 

Failure to Remove Fraudulent Account : I initially disputed a fraudulent XXXX XXXX account that was listed on my Experian credit report. XXXX confirmed on XXXX XXXX XXXX, that my drivers license and FTC report, both of which contained my correct address, were sufficient for identity verification. XXXX also assured me that the XXXX XXXX account would be removed within 4 days. However, that did not occur, and no changes have been made to my report despite Experians clear failure to meet its legal obligations. 

Mental and Emotional Distress : The constant back-and-forth and delays caused by Experians stall letters have caused significant mental distress. These tactics have severely impacted my ability to access my credit and caused ongoing financial harm as I am unable to resolve my credit issues due to these delays. The stall tactics are directly hindering my ability to function and are unlawful under FCRA. 

Legal Violations : FCRA Section 1681e ( b ) Failure to Maintain Accurate Information : Experian has failed to ensure accurate and complete information on my credit report, particularly regarding the fraudulent XXXX XXXX account. By continuing to send stall letters instead of resolving the dispute, they have failed to remove inaccurate information in a timely manner. 

FCRA Section 1681i Failure to Conduct a Reasonable Reinvestigation : Experian failed to conduct a reasonable reinvestigation of the fraudulent XXXX XXXX account as required by law. The repeated stalling letters indicate that Experian is using delay tactics to hinder and prevent the timely resolution of my dispute, violating the FCRA. 

FCRA Section 1681i ( a ) ( 5 ) Failure to Remove Inaccurate Information : Under FCRA Section 1681i ( a ) ( 5 ), if disputed information is found to be inaccurate, it must be removed or corrected. Experians failure to remove the fraudulent XXXX XXXX account after confirming the information was incorrect is a direct violation of this section. 

Experians Internal Policies Failure to Follow Procedures : Experians internal procedures require timely action on disputes and proper handling of fraudulent activity. XXXX confirmed that the XXXX XXXX account would be removed, and my address would be updated. However, Experians failure to uphold these promises and their ongoing use of stall tactics constitutes a violation of their own policies.

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