Consumer complaint received 2025-09-04 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: MI

Complaint narrative:
CFPB Escalated Complaint Experian Consumer : XXXX XXXX XXXX Date of Birth : XX/XX/year> SSN ( Last 4 ) : XXXX FTC Identity Theft Report # : XXXX I am a confirmed victim of identity theft. Despite submitting a government-issued identification card, an FTC Identity Theft Report, a signed statement, and specific identification of disputed accounts and inquiries, Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ).

Count I Failure to Follow Reasonable Procedures ( 15 U.S.C. 1681e ( b ) ) Elements : A consumer report contained inaccurate information.

The credit reporting agency failed to follow reasonable procedures to assure maximum possible accuracy. 

The consumer suffered harm. 

Application : Experian has continued publishing inaccurate consumer reporting information including fraudulent accounts ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX as well as duplicate reporting of State of Michigan / XXXX XXXX XXXX XXXX XXXX 

Damages : Denials of credit applications, reputational harm, and emotional distress.

Relief Sought : Immediate deletion of all disputed accounts and inquiries, and provision of an updated consumer report reflecting the corrections.

Count II Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ) Elements : The consumer report contained inaccurate information. 

The consumer submitted a proper dispute. 

The dispute was not frivolous.

The credit reporting agency failed to conduct a reasonable reinvestigation.

Application : Experian failed to acknowledge multiple disputes that were submitted with all required supporting documentation, including proof of identity and an FTC Identity Theft Report. Experian mischaracterized requests for blocking under 15 U.S.C. 1681c-2 as reinvestigations under 15 U.S.C. 1681i, which is legally insufficient.

Damages : Continued harm from inaccurate consumer reporting information, including repeated credit denials and severe emotional distress.

Relief Sought : A proper reinvestigation of all disputed accounts, written confirmation of the reinvestigation results, and an updated consumer report.

Count III Failure to Block Identity Theft Information ( 15 U.S.C. 1681c-2 ( a ) ) Elements : The consumer submitted proof of identity. 

The consumer submitted an FTC Identity Theft Report. 

The consumer identified the disputed items. 

The consumer provided a statement that the items resulted from identity theft.

The credit reporting agency must block reporting of the items within four business days.

Application : Experian failed to block the fraudulent accounts and inquiries within the required four-business-day period. Instead, Experian ignored the statutory obligation and misclassified the disputes as reinvestigations. 

Damages : Prolonged publication of fraudulent information, continued damage to my credit reputation, and ongoing financial harm. 

Relief Sought : Blocking and permanent deletion of all fraudulent accounts and inquiries, including both State of Michigan / Office of Child Support entries, and issuance of an updated consumer report.

Count IV Reporting Without a Permissible Purpose ( 15 U.S.C. 1681b ) Elements : The consumer reporting agency furnished or reported consumer information without a legally permissible purpose. 

The consumer suffered harm. 

Application : Experian continues reporting fraudulent hard inquiries ( XXXX, XXXX ) and unauthorized tradelines without any lawful authorization under 15 U.S.C. 1681b.

Damages : Unauthorized disclosure of my information has caused denials of credit, reputational harm, and significant emotional distress. 

Relief Sought : Immediate removal of all accounts and inquiries reported without a permissible purpose, written confirmation that Experian will not continue unlawful reporting, and provision of an updated consumer report reflecting compliance.

Count V Damages ( Compensatory and Punitive ) ( 15 U.S.C. 1681n, 1681o ) Application : Experians willful and negligent noncompliance with the Fair Credit Reporting Act has caused significant anxiety, embarrassment, sleeplessness, emotional distress, and financial harm. By refusing to properly process disputes under 15 U.S.C. 1681c-2, Experian obstructed my ability to correct identity theft-related information.

Damages : Compensatory damages for emotional distress, credit denials, and financial harm.

Punitive damages to punish and deter Experian from future willful violations of the Fair Credit Reporting Act.

Relief Sought : Compensatory damages, punitive damages, immediate deletion of disputed information, and any other relief deemed appropriate.

Company response to consumer: Closed with explanation