Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against Experian for failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically with regard to fraudulent and inaccurate information being reported on my credit file. Despite my repeated disputes and the submission of an identity theft report ( attached ), Experian has continued to report fraudulent accounts, including but not limited to XXXX XXXX and XXXX XXXX, which I became aware of in XX/XX/year>. 

Violations of Federal Law Experian has violated the following provisions of the FCRA : 1. Failure to Conduct a Reasonable Investigation ( 1681i ( a ) ) : Under the FCRA, Experian is required to conduct a reasonable investigation into disputed information. However, Experian appears to rely solely on automated responses from furnishers without thoroughly investigating the legitimacy of my disputes or the documentation I have provided, including my identity theft report. Such a limited procedure does not constitute a reasonable investigation under the law. 
2. Failure to Delete Inaccurate or Fraudulent Information ( 1681i ( a ) ( 5 ) ) : Experian has a legal obligation to promptly delete inaccurate, incomplete, or unverifiable information. Despite providing proof of identity theft and disputing the fraudulent accounts, Experian has failed to remove the fraudulent information from my credit file. 
3. Failure to Properly Block Fraudulent Accounts ( 1681c-2 ) : As I have submitted an identity theft report, Experian is required to block the fraudulent accounts from my credit file within four business days of receipt. Failure to do so is a direct violation of the FCRA. 

Harm and Intent to Pursue Legal Action As a result of Experians failure to fulfill its obligations, I have suffered : Financial harm due to inaccuracies on my credit report. 
Emotional distress from having to repeatedly address fraudulent accounts. 
Loss of financial opportunities due to lowered credit scores. 

If Experian does not immediately delete the fraudulent accounts and correct my credit report, I will have no choice but to pursue legal action under the FCRA. Experians failure to investigate and correct these issues is willful noncompliance under 1681n, entitling me to statutory damages, actual damages, punitive damages, and attorneys fees.

Resolution Requested I demand that Experian immediately : 1. Conduct a reasonable investigation into the disputed accounts and cease relying solely on furnishers to verify information. 
2. Delete the fraudulent accounts, including XXXX XXXX and XXXX XXXX, from my credit file. 
3. Block all fraudulent accounts pursuant to 1681c-2 based on my identity theft report. 

If these steps are not taken within 15 days of this dispute, I will escalate this matter through legal channels to ensure compliance with federal law and appropriate remedies for damages.

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