Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a formal complaint against Experian for multiple serious violations of the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and federal identity theft protections. Despite having submitted all legally required documentation to Experian to report fraudulent accounts resulting from identity theft, Experian has : Failed to complete reinvestigations within the XXXXday statutory window. 

Reinserted previously deleted fraudulent accounts onto my credit file without any notification, in violation of federal law. 

Failed to provide a legally required Method of Verification ( MOV ), despite repeated requests. 

Continued to report accounts proven to be fraudulent and disputed with proper identity theft documentation. 

Accounts in Question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violations Committed by Experian : FCRA 1681i ( a ) ( 1 ) ( A ) Failure to Reinvestigate Within 30 Days : Experian failed to complete its reinvestigations within the XXXXday timeframe required by law. Under FCRA, if a reinvestigation exceeds 30 days, the disputed information must be deleted.

FCRA 1681i ( a ) ( 5 ) ( B ) Illegal Reinsertion Without Notice : Experian has reinserted fraudulent accounts after previously deleting them, without providing written notice within XXXX business days, as required by law. This is a clear violation of the FCRA. 

FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to Provide Method of Verification : I have repeatedly requested the Method of Verification used in their reinvestigations. Experian has refused or failed to comply, denying me my right under the FCRA to know how they " verified '' the disputed data. 

FCRA 605B Failure to Block Identity Theft Accounts : After receiving valid identity theft documentation, Experian is required to permanently block the related information. They have refused to do so and continue to report fraudulent data. 

Supporting Evidence Provided : FTC Identity Theft Report Experian credit report showing all negative accounts mentioned were deleted CFPB complaint from XX/XX/XXXX with longer than 30 day response from Experian Proof I am a victim of the XXXX  XXXX XXXX Police Report Proof of Address Government-Issued ID NOTARIZED Fraud Affidavit Dispute Letters ( Certified Mail Receipts ) Screenshots of deleted accounts being reinserted Documentation of Experians failure to respond within 30 days MOV requests sent to Experian with no response Requested Resolution : Immediate and PERMANENT DELETION of all fraudulent accounts listed above. 

Written confirmation that Experian will block these accounts in accordance with 15 U.S.C. 1681c-2 ( a ).

Formal acknowledgment that Experian violated FCRA timeframes and illegally reinserted items without notice. 

Full disclosure of the Method of Verification used in each dispute.

Civil liability acknowledged under FCRA 616 and 617 for negligent and willful noncompliance. 

Next Steps : If Experian does not comply with federal law and this issue is not resolved immediately, I will escalate this matter to : The Federal Trade Commission ( FTC ) State Attorney Generals Office XXXX XXXX XXXX XXXX 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