Consumer complaint received 2025-03-21 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: IL

Complaint narrative:
This is a legally substantiated complaint against Experian for willful violations of the Fair Credit Reporting Act ( FCRA ), specifically : XXXX U.S.C. XXXX Failure to block fraudulent accounts after receiving a police report and FTC XXXX Theft Report. 
XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) Unlawful re-insertion of previously deleted fraudulent accounts without notice or certification. 
XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Failure to conduct a reasonable reinvestigation after receiving a dispute. 
XXXX XXXX. XXXX ( a ) ( XXXX ) Failure to provide the required notification of reinvestigation results. 

Experians blatant disregard for federal law has caused substantial financial, reputational, and emotional harm. This is not a disputeit is a legal claim, and I will not tolerate further violations.

Under federal law, Experian must block fraudulent accounts within four ( 4 ) business days after receiving an FTC Identity Theft Report and police report. Despite my compliance, Experian refused to block the following fraudulent accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) {$800.00} balance, opened XX/XX/XXXX. 

Each failure to block constitutes a willful violation, entitling me to {$1000.00} per violation ( $ XXXX total ). 


These accounts were previously removed after disputes but were reinserted without notice or certification, violating federal law. 

Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ), Experian CAN NOT reinsert previously deleted data unless : The furnisher certifies accuracy of the information. 
The consumer is notified in writing within XXXX ( XXXX ) business days. 

Experian failed to meet both requirements, constituting XXXX additional willful violations ( {$1000.00} per violation, $ XXXX total ). 


Experian had a legal duty to conduct a reasonable reinvestigation of my dispute. Instead, they ignored my valid identity theft claims and allowed fraudulent accounts to remain on my credit report, leading to : Denial of credit applications with XXXX XXXX and XXXX XXXX, directly impacting my ability to obtain financing. 
Higher interest rates on auto loans, including those issued by XXXX XXXX XXXX and XXXX XXXX XXXX, resulting in significantly increased borrowing costs. 
Higher interest rates on credit cards, including my XXXX XXXX credit card, making repayment more expensive. 
Forced account closures, damaging my credit history and reducing my available credit, which negatively impacted my XXXX XXXX. 
Severe XXXX XXXX damage, affecting future financial opportunities. 
Emotional distress and wasted time, repeatedly disputing Experians misconduct. 

As a direct result of Experians actions, I am seeking $ XXXX in actual damages for financial harm and emotional distress. 


Experian failed to provide the required written notification explaining its investigation results regarding the fraudulent accounts. This failure demonstrates reckless disregard for federal law, justifying punitive damages of at least $ XXXX to deter future violations. 


Under the FCRA, Experian is liable for the following : XXXX. Statutory Damages ( $ XXXX ) {$1000.00} per willful violation ( XXXX violations ). 
XXXX. Actual Damages ( $ XXXX ) Credit denials, increased interest rates, financial harm, and emotional distress. 
XXXX. Punitive Damages ( $ XXXX ) XXXX to Experians reckless and willful violations. 


This is Experians final opportunity to correct these violations. If these accounts are not permanently removed immediately, I will take legal action without any further delay.

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