Consumer complaint received 2025-06-08 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: VA

Complaint narrative:
Experian did not conduct a proper verification of disputed accounts. By law they are supposed to provide me with written proof of the verifying the accuracy of each disputed account. They only sent a letter saying verified with no written proof. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : XXXX DOB : XX/XX/scrub>XX/XX/XXXX Email : XXXX Date : XXXX Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX RE : Method of Verification Request Identity Theft & Data Breach Notification CFPB Case # XXXX Dear Experian Disputes Team, This letter serves as a formal Method of Verification ( MOV ) request and a notice of identity theft pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) concerning a data breach and unauthorized accounts being reported under my consumer credit profile. 
As a victim of a confirmed data breach, I assert that the following accounts and inquiries were not opened, initiated, or authorized by me. These entries are the result of identity theft and fraudulent use of my personal identifying information : Fraudulent and Unauthorized Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX Charged off, {$1600.00} XXXX. XXXX XXXX XXXX XXXX ending in XXXX Charged off, {$4700.00} XXXX XXXX XXXX XXXX XXXX ending in XXXX Delinquent payment history XXXX. XXXX XXXX XXXX XXXX XXXX ending in XXXX Closed, negative remarks XXXX. XXXX XXXX XXXX ) Account ending in XXXX Late payments, {$2300.00} These accounts were not authorized by me and have no legitimate connection to my financial activity. In fact, these entries originated after a breach of my personal information that has been reported to the Federal Trade Commission ( FTC ). A copy of my FTC Identity Theft Report ( Complaint # XXXX ) is attached for your records and verification. 

Legal Obligations Under FCRA 605B : Under the Fair Credit Reporting Act, once notified of identity theft : 1. You are required to block all fraudulent information from my credit file within 4 business days.

2. You may not continue reporting unverifiable, fraudulent accounts, inquiries, or collections linked to this identity theft. 
3. You must conduct a reasonable investigation and provide a detailed Method of Verification as to how these entries were verified.

What I Am Requesting : 1. Immediate blocking and deletion of the above-listed accounts and any related hard inquiries.

2. A written Method of Verification ( MOV ) for each itemwhat source, contract, or signature was used to verify these accounts. 
XXXX. Removal of all data associated with this breach from your systems in compliance with 15 U.S.C. 1681c-2 ( a ). 
XXXX. Confirmation of your compliance and actions, sent to me via email at XXXX. 
If these items are not removed within the timeframe required by law, I will pursue all remedies available under the FCRA, including statutory damages of {$1000.00} per violation, complaints to state and federal regulators, and, if necessary, litigation. 
Please take this matter seriously. I expect Experian to fulfill its legal obligations under the FCRA and to stop enabling harm caused by this breach of my identity. 
Sincerely, XXXX XXXX

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