Consumer complaint received 2025-04-18 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:
I am writing to file a formal complaint against Experian for their failure to remove fraudulent accounts from my credit report as required by law. 

I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a police report and an FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements established by the Fair Credit Reporting Act ( FCRA ). 

Despite my initial request to block these fraudulent items, the following accounts still appear on my credit report : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX, Reported : XX/XX/XXXX XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX, Reported : XX/XX/XXXX Legal Basis : 15 U.S.C. 1681i ( 7 ) Description of Investigation : Under the FCRA, credit reporting agencies are required to provide a description of the investigation process within 15 days of receiving a consumer dispute. To date, I have not received this documentation. 

15 U.S.C. 609 ( a ) ( 1 ) ( A ) Verification Requirement : By federal law, you must verify all accounts and reported information through physical inspection of the original signed consumer contract. Without this verification, there is a risk that inaccurate or fraudulent data could remain in my file. I am requesting the immediate removal of this unauthorized information.

15 U.S.C. 1681e ( b ) Accuracy Compliance : You are required to follow reasonable procedures to ensure the maximum possible accuracy of information in my credit file. If the information can not be verified, pursuant to 1681i ( a ) ( 5 ), I request that all unverifiable information be deleted.

Failure to Investigate Properly : 15 U.S.C. 1681i : After submitting my dispute, I did not receive a complete investigation within the 30-day timeframe required by law. The results failed to adequately resolve my concerns.

15 U.S.C. 1681c-2 : Credit bureaus are required to block identity theft-related information within four business days of receiving a valid identity theft report.

Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), all unverifiable or inaccurate information must be removed from my report.

Failure to Maintain Reasonable Procedures 15 U.S.C. 1681e ( b ) : The bureau has not demonstrated that it followed reasonable procedures to ensure the completeness and accuracy of my file. I request a detailed explanation of the methods used. 

Requested Resolution : I respectfully demand that the CFPB investigate this matter and take immediate action to ensure that these fraudulent accounts are deleted from my credit report. 

I expect a prompt resolution and would appreciate any guidance you can provide regarding my rights as a consumer. 

Thank you for your attention to this urgent matter.

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