Consumer complaint received 2025-02-13 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: MI

Complaint narrative:
Subject : Experians Failure to Remove Fraudulent Account Despite Identity Theft Report & Violation of FCRA Complaint Summary I am filing a formal complaint against Experian for willfully violating the Fair Credit Reporting Act ( FCRA ) by failing to remove fraudulent accounts from my credit report, despite my submission of a valid FTC Identity Theft Affidavit, Police Report, and proof of identity. 
Experian responded to my dispute regarding an XXXX XXXX account ( Account : XXXX ) by stating that the furnisher " certified '' the accuracy of the information. However, Experian failed to provide any documentation or proof of verification, as required by federal law. Their refusal to act in compliance with FCRA 605B and 611 has caused continued harm to my financial standing.

Experians Violations of the FCRA 1. Failure to Block Fraudulent Information as Required by FCRA 605B * I provided Experian with the FTC Identity Theft Report, a police report, and supporting documentationproving that the Affirm Inc. account does not belong to me.

* Under FCRA 605B, Experian is legally required to block fraudulent accounts within four ( 4 ) business days after receiving proper identity theft documentation.

* Instead of complying, Experian ignored my identity theft claim and allowed the furnisher ( XXXX XXXX ) to " certify '' the debt without requiring actual proof. 
2. Failure to Conduct a Reasonable Investigation ( FCRA 611 ( a ) ) * XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. 1997 ) ruled that credit reporting agencies can not solely rely on a furnishers responsethey must independently verify the accuracy of the information. 
* Experian did not request original signed contracts or billing recordsinstead, they blindly accepted XXXX XXXX claim. 
* This is a clear violation of federal law, as Experian failed to conduct a reasonable reinvestigation before maintaining fraudulent data on my credit file. 
3. Failure to Provide Proper Verification ( FCRA 611 ( a ) ( 7 ) ) * When a consumer disputes an account, the CRA must disclose the method of verification ( MOV ) under FCRA 611 ( a ) ( 7 ).

* I requested verification, but Experian failed to provide : * A copy of the signed agreement or contract proving I opened the XXXX XXXX account. 
* All original billing statements associated with this account. 
* The contact information of the individual who verified the debt. 
* If Experian can not produce this documentation, the account must be removed immediately, per FCRA 611 ( a ) ( 5 ) ( A ).

4. Deceptive Practices & Pattern of Noncompliance * Experian has engaged in unlawful practices by allowing the re-reporting of fraudulent items, violating FCRA 611 ( a ) ( 5 ) ( B ).

* They previously removed accounts after my disputes, only to allow furnishers to reinsert them without proper verification.

* This pattern of deceptive conduct is causing me severe financial and emotional distress.

Requested Relief from the CFPB 1. Immediate Removal of the XXXX XXXX Account * Since Experian can not provide documentary proof that I authorized this account, they must delete it immediately under FCRA 611 ( a ) ( 5 ) ( A ).

2. Monetary Compensation for Experians Willful Noncompliance * Under FCRA 616 and 617, I am entitled to compensation due to Experians repeated violations and failure to protect my consumer rights.

* I request that CFPB investigate Experians violations and hold them financially accountable for damages.

3. CFPB Enforcement Action Against Experian * The CFPB must investigate Experians systemic failure to comply with the FCRA and take appropriate enforcement action.

* Experian has shown a pattern of allowing fraudulent accounts to remain despite clear evidence of identity theft.

4. Full Disclosure of Experians Verification Process * CFPB should require Experian to disclose their full method of verification, including which documents were reviewed, and whether XXXX XXXX provided original signed agreements or just automated responses. 

Supporting Documentation Attached : * FTC Identity Theft Report * Police Report * Drivers License & Social Security Card ( Proof of Identity ) * Experians Response Stating the XXXX XXXX Account Was Verified * Previous Credit Reports Showing Fraudulent Accounts Being Reinserted This is a formal request for CFPB intervention due to Experians ongoing violations of federal law. I request a full investigation and resolution without further delay. 
If this matter is not resolved promptly, I will escalate my complaint further, including potential legal action under the FCRA for willful noncompliance. 
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