Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
Systematic FCRA Violations- Double Willful Re-reporting of Deleted Fraudulent Accounts + Refusal to Block Identity Theft Inquiries. This complaint concerns Experian 's systematic and willful violations of multiple sections of the Fair Credit Reporting Act ( FCRA ) through : ( 1 ) double willful re-reporting of fraudulent accounts that were previously deleted, and ( 2 ) complete refusal to block fraudulent inquiries despite valid FTC Identity Theft Report. FCRA Section 611 ( a ) ( 5 ) ( B ) prohibits furnishing information " if the person knows or has reasonable cause to believe that the information is inaccurate. '' FCRA Section 605B ( a ) requires consumer reporting agencies to " block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. '' FTC Identity Theft Report # XXXX filed XX/XX/XXXX. Complete documentation package provided : government-issued ID, Social Security card, proof of address. 4 previous CFPB complaints filed documenting systematic violations. I have documented evidence of Experian 's systematic violation of FCRA Section 611 ( a ) ( 5 ) ( B ) through credit reports showing deletion and willful reappearance of TWO fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX Credit Report : Account present ( derogatory status ), XXXX Credit Report : Account DELETED ( Experian acknowledged inaccuracy ), XXXX Credit Report : Confirmed deleted, XXXX Credit Report : Account REAPPEARED ( willful violation of XXXX ( a ) ( XXXX ) ( B ) ). XXXX ACCOUNT ( # XXXX ) : XXXX Credit Report : Account present ( derogatory status ), XXXX Credit Report : Account present ( derogatory status ), XXXX Credit Report : Account DELETED ( Experian acknowledged inaccuracy ), XXXX Credit Report : Account REAPPEARED ( willful violation of 611 ( a ) ( 5 ) ( B ) ). Credit report summaries demonstrate clear systematic violations : XX/XX/XXXX : XXXX total accounts, XXXX derogatory accounts, XX/XX/XXXX : XXXX total accounts, XXXX derogatory account, XX/XX/XXXX : XXXX total accounts, XXXX derogatory accounts ( BOTH FRAUDULENT ACCOUNTS DELETED ), XX/XX/XXXX : XXXX total accounts, XXXX derogatory accounts ( BOTH FRAUDULENT ACCOUNTS RETURNED ). XX/XX/XXXX ( after deletion ) : Credit scores XXXX ( Fair rating ), XX/XX/XXXX ( after reappearance ) : Credit scores XXXX ( Unfavorable rating ). Documented damage : XXXX point XXXX XXXX drop due to willful re-reporting. Despite receiving valid FTC Identity Theft Report # XXXX and complete documentation, Experian has systematically refused to block the following XXXX fraudulent inquiries in violation of FCRA Section 605B ( a ) : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX These inquiries remain unchanged across all credit reports from XX/XX/XXXX through XX/XX/XXXX, demonstrating systematic refusal to comply with Section XXXX blocking requirements. Previous CFPB Complaints : # XXXX ( XX/XX/XXXX ) - Initial identity theft dispute with complete documentation, # XXXX ( XX/XX/XXXX ) - Follow-up on systematic non-compliance, # XXXX ( XX/XX/XXXX ) - Section 605B violation focus with legal citations, # XXXX ( XX/XX/XXXX ) - Specific demands for inquiry deletion. Experian DELETED both fraudulent accounts ( acknowledging their inaccuracy ), Experian allowed BOTH accounts to reappear ( willful re-reporting of known inaccurate information ), Experian received valid FTC Identity Theft Report but refuses to block related inquiries, Pattern demonstrates systematic failure of data integrity and legal compliance procedures, 4 previous CFPB complaints provided documented notice of violations over 9+ months. FCRA Section 611 ( a ) ( 5 ) ( B ) : Double willful reporting of information known to be inaccurate, FCRA Section 605B ( a ) : Systematic failure to block identity theft information upon receipt of valid FTC report, FCRA Section 605B ( b ) ( 1 ) : Conducting prohibited investigations instead of mandatory blocking, Pattern of willful noncompliance with federal consumer protection law. Continued credit damage from fraudulent information ( 100+ point score drop ), Denial of credit applications due to inaccurate reporting, Ongoing identity theft consequences due to unblocked inquiries, Systematic violation of federal identity theft protection rights, Emotional distress from 9+ months of regulatory non-response. This case demonstrates fundamental failure of Experian 's data accuracy and identity theft protection systems, affecting not just one consumer but establishing dangerous precedent that undermines federal consumer protection for all identity theft victims. This systematic pattern of willful violations requires immediate and severe CFPB enforcement action, not just consumer resolution : IMMEDIATE INVESTIGATION of Experian 's data integrity and Section 605B compliance procedures, PERMANENT DELETION of all fraudulent information with system blocks preventing any future reappearance, MANDATORY BLOCKING of all 13 fraudulent inquiries per Section 605B ( a ) requirements, MAXIMUM REGULATORY PENALTIES for double willful violations of Section 611 ( a ) ( 5 ) ( B ), ADDITIONAL PENALTIES for systematic Section 605B violations, MANDATORY IMPLEMENTATION of proper data accuracy and identity theft protection procedures, CONSUMER RESTITUTION for documented credit score damage and ongoing harm, ONGOING REGULATORY MONITORING of Experian 's compliance procedures, PRECEDENT-SETTING ENFORCEMENT to prevent similar systematic violations industry-wide. This case requires precedent-setting enforcement action to establish that major consumer reporting agencies can not : Willfully re-report information they know to be inaccurate, Selectively comply with identity theft protection requirements, Ignore repeated regulatory complaints about systematic violations, Cause quantifiable consumer harm through willful noncompliance. I am providing comprehensive documentation including : Credit reports from XXXX, XXXX, XXXX, and XX/XX/XXXX showing deletion/reappearance pattern, FTC Identity XXXX Report # XXXX with complete supporting documentation, Complete history of 4 previous CFPB complaints and Experian 's inadequate responses, Timeline documenting systematic violations over 9+ months, Evidence of quantified consumer harm ( 100+ point credit score damage ). This systematic violation of federal consumer protection law requires immediate and comprehensive CFPB enforcement action to protect not only this consumer but establish precedent preventing similar violations affecting millions of Americans. The evidence is clear, the violations are documented, and the harm is quantified. Experian 's systematic willful noncompliance with federal law demands maximum regulatory response.

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