Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
I am filing this complaint to formally escalate Experians continued and willful noncompliance with multiple provisions of the Fair Credit Reporting Act ( FCRA ), specifically concerning identity theft protections under 15 U.S. Code 1681c-2 ( Section 605B ), the illegal re-aging of charged-off accounts under 1681c ( a ) ( 4 ), and the repeated reporting of unverifiable and unauthorized tradelines in violation of 1681e ( b ), 1681i ( a ) ( 5 ) ( A ), and 1681b ( a ) ( 2 ). I have submitted a valid FTC Identity Theft Report ( XXXX XXXX. XXXX ), a government-issued ID, proof of current address, and written statements clearly identifying the fraudulent accounts. Despite providing all legally required documentation, Experian has failed to permanently delete these accounts or meet the statutory requirement to block identity theft-related information within four business days, as required under FCRA 1681c-2 ( c ). 

The following accounts were opened or misused without my knowledge, authorization, or consent. I did not apply for or approve any of the transactions associated with these accounts, and no permissible purpose exists under FCRA 1681b ( a ) ( 2 ) to justify their continued reporting. These accounts were the result of identity theft and must be permanently blocked and deleted under federal law : XXXX XXXX XXXX Account ending in XXXX ( {$1000.00} ) XXXX XXXX XXXXXXXX XXXX Account ending in XXXX ( {$1200.00} ) XXXX XXXX Account ending in XXXX ( {$1400.00} ) XXXX XXXX XXXX Account ending in XXXX ( {$3300.00} ) In particular, the XXXX XXXX XXXX account was co-signed for a business vehicle that was declared a total loss and settled by insurance. I never consented to or signed for continued liability beyond the insurance settlement. No Form 1099-C was issued, no valid delinquency occurred, and Experian has never produced verified evidence of a valid debt obligation. This account remains falsely reported as charged off with a balance, and it is not mine. 

Additionally, Experian has engaged in a repeated and fraudulent pattern of re-aging charged-off accounts by allowing monthly updates well into XXXX on accounts that were closed and charged off in XXXX. These include XXXX XXXX XXXX ( ending in XXXX ), XXXXXXXX XXXX XXXX XXXX ( ending in XXXX ), and XXXX XXXX ( ending in XXXX ). These updates falsely suggest current derogatory activity and ongoing delinquency on accounts that should have been frozen after charge-off. This violates FCRA 1681c ( a ) ( 4 ), which prohibits extending the reporting period based on post-charge-off activity, and 1681e ( b ), which mandates maximum possible accuracy. It also violates 1681i ( a ) ( 5 ) ( A ) for reporting information that is unverifiable, misleading, and materially harmful. 

This pattern of behavioridentity theft suppression, unlawful re-aging, and refusal to block disputed accounts after receiving full documentationdemonstrates Experians systematic disregard for consumer protection laws and the due process rights of victims of fraud. 

I am invoking my full rights under FCRA 1681c-2 and formally demand that Experian block and delete each of the above-identified identity theft accounts within four ( 4 ) business days from receipt of this complaint. I also invoke my right under 1681i ( a ) ( 8 ) for expedited deletion of unverifiable tradelines and request a detailed written explanation of the reinvestigation procedures used under 1681i ( a ) ( 6 ). Any attempt to reinsert deleted accounts must strictly follow 1681c-2 ( d ).

This dispute is submitted in good faith and fully supported by federal law. If Experian fails to delete or block these accounts immediately and permanently, I will escalate this matter without delay to the FTC, SEC, IRS Criminal Investigation Division, the Consumer Financial Protection Bureaus enforcement unit, and federal court. I reserve all rights under FCRA 1681n and 1681o to pursue damages for willful noncompliance and failure to protect my credit file from fraudulent and unauthorized activity.

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