Consumer complaint received 2025-08-17 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: FL

Complaint narrative:
Re : Formal Complaint Regarding Identity Theft and Refusal to Block Fraudulent Account Introduction and Background This complaint is in response to ExperianXXXX  email dated XX/XX/year>, regarding my dispute of a fraudulent auto loan that has been reporting on my Experian consumer report for the past XXXX years. The account originated from XXXX XXXX XXXX and is directly related to identity theft. 

I formally notified Experian of this fraud on XX/XX/year>, and submitted all required documentation pursuant to the Fair Credit Reporting Act ( FCRA ), including an identity theft affidavit, government-issued identification, and supporting records. Despite compliance with FCRA XXXX, Experian has refused to block this fraudulent account from my consumer report. 



Basis of the Dispute XXXX. I never applied for, authorized, or received goods or services related to this XXXX XXXX XXXX account. 
XXXX. The account is fraudulent and the promissory note underlying it contains a forged signature, making it a forged instrument under law. 
XXXX. This fraudulent account is only reporting with Experian. Both XXXX  and XXXX have already blocked this account from my reports after I disputed it with them. 
XXXX. XXXX refusal to block this account constitutes a violation of my rights under the FCRA, as well as a breach of your fiduciary duties to accurately report consumer data. 



Improper Motives and XXXX of XXXX It appears there XXXX be a conflict of interest influencing ExperianXXXX  refusal to remove this fraudulent account. XXXX XXXX XXXX is owned by XXXX XXXX, a major financial institution that furnishes consumer data to Experian. There is a high probability that Experian is receiving valuable financial consideration or assets from XXXX XXXX on XXXX behalf, which XXXX explain why Experian continues reporting this fraudulent account despite clear evidence of identity theft. 



Improper Financial Use of the Forged Instrument Furthermore, XXXX XXXX XXXX has likely engaged in the following improper activities with the fraudulent instrument : Securitization and monetization of the fraudulent promissory note. 
Assignments and trades on the secondary and primary markets. 
Pooling and commingling of this fraudulent asset with legitimate assets, thereby spreading the fraud into larger financial instruments. 

By knowingly monetizing a forged and fraudulent instrument, XXXX XXXX XXXX became complicit in the identity theft. By refusing to block this account after being placed on notice, Experian has now compounded this violation. 



Violations ExperianXXXX actions ( or failure to act ) constitute : Violation of FCRA XXXX ( XXXXXXXX XXXX XXXXXXXX ), which requires credit reporting agencies to block identity theft-related information upon proper documentation. 
Breach of fiduciary duty and failure to maintain accurate consumer reporting as required under FCRA XXXX ( b ) ( XXXX XXXX. XXXX ( b ) ). 
Facilitation of fraud by continuing to report a forged instrument tied to identity theft. 



Demand for XXXX XXXX I hereby demand that Experian : XXXX. Immediately and permanently block the fraudulent XXXX XXXX XXXX account from my consumer report, pursuant to FCRA XXXX. 
XXXX. Provide me with written confirmation that the account has been deleted. 
XXXX. Cease and desist from further publishing or reporting of this fraudulent account. 
XXXX. Provide the name, address, and contact information of each party to whom Experian has furnished this fraudulent information in the past XXXX  months. 

Failure to comply will leave me no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and, if necessary, by pursuing legal action to enforce my rights under federal law. In which I will pursue the maximum penalties against EXPERIAN for their negligence in this matter. 



Conclusion This complaint is not a misrepresentation on my part. Rather, it is Experian and XXXX XXXX XXXX who are misreporting and perpetuating fraudulent information. I respectfully request immediate corrective action. 

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