Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My name is XXXX XXXX XXXX, and I am filing this complaint because Experian is violating the Fair Credit Reporting Act ( FCRA ) by failing to conduct a reasonable reinvestigation of disputed items on my credit file, despite my providing complete documentation of identity theft and inaccuracies. The following accounts and public records are not mine but Experian continues to report them : XXXX XXXX XXXX XXXX XXXX ~ {$5100.00} ( Account # XXXX ) XXXX XXXX XXXX  ~ {$480000.00} ( Account # XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, dismissed ( Case # XXXX ) Problems with the reporting : XXXX. These accounts are being reported under an incomplete and inaccurate name ( XXXX XXXX XXXX ) instead of my full legal name ( XXXX XXXX XXXX ). XXXX. They are tied to fraudulent addresses ( XXXX XXXX XXXX XXXX XXXX, XXXX GA ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SD ). Experians own internal report shows these are high-risk, non-residential mailing addresses, not my residence. My correct address is : XXXX XXXX XXXX XXXX, XXXX, SC XXXX. XXXX. The bankruptcy was deleted by XXXX after my direct dispute, yet Experian continues to report it without verifying accuracy with the source court. The record contains no dollar amounts, no creditor details, and was dismissed after XXXX months evidence it is not valid. 4. Experians reinvestigation was returned in just 3 days, marking everything verified. This is not a reasonable reinvestigation as required under FCRA 611 ( 15 U.S.C. 1681i ). They clearly did not review the supporting evidence provided ( FTC ID Theft Report, police report, XXXX deletion, drivers license, Social Security card, proof of residence ). Legal Violations : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Once provided an FTC Identity Theft Report, the bureau must block fraudulent information within 4 business days. Experian has failed to do this. FCRA 611 ( 15 U.S.C. 1681i ) : Experian must conduct a reasonable reinvestigation. Verifying items in 3 days without addressing identity theft evidence is unreasonable. FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know or should know is inaccurate. Experian continues publishing these items after repeated disputes. Requested Resolution : Immediate deletion of the fraudulent XXXX XXXX XXXX, XXXX. XXXX, and XXXX XXXX  from my Experian report. Correction of my personal identifying information to reflect only my legal name ( XXXX XXXX XXXX ) and my correct address ( XXXX XXXX XXXX XXXX, XXXX, SC XXXX ). Written confirmation of compliance within the required time period. I have already submitted : FTC Identity Theft Reports Police Report documenting identity theft XXXX letter confirming removal of the bankruptcy Copy of drivers license, Social Security card, and proof of residence Prior dispute letters mailed certified to Experian and the furnishers Despite this, Experian continues to verify these false accounts. I am requesting CFPB enforcement action to ensure Experian complies with the law.

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