Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am filing this formal dispute and sworn statement regarding identity theft, fraudulent account reporting, and Experians ongoing violation of the Fair Credit Reporting Act ( FCRA ). I discovered unauthorized activity on my Experian credit report in XX/XX/XXXXXXXX   after receiving unexpected credit denials. Upon reviewing my report, I identified several accounts I did not apply for, along with significant negative marks including charge-offs, delinquencies, and excessive credit utilization that have damaged my credit standing. 

To address this, I filed a police report on XX/XX/XXXXXXXX  with the XXXX XXXX XXXX XXXX in Georgia, under Report Number XXXX, processed by XXXX XXXX XXXX XXXX ( Badge # XXXX ). I also placed a fraud alert on my credit file and submitted written disputes to Experian, enclosing all required supporting documentation. This included a government-issued ID, utility bill as proof of my current address, a copy of my credit report, the police report, and a sworn affidavit. I also explicitly instructed Experian to cease all communication via email and to respond only through official channels, namely the CFPB portal. 

Despite this, Experian continues to report and verify fraudulent accounts as valid, including the following : XXXX XXXX XXXX XXXX  Unsecured loan with a {$6200.00} charge-off ( identity theft ) XXXX XXXX XXXX card with an {$8800.00} charge-off ( identity theft ) XXXX XXXX / XXXX XXXXk Unauthorized credit card account with 4 reported late payments XXXX Closed account I did not authorize ; my consumer dispute statement was ignored XXXX  Paid account not associated with me XXXX Fraudulent installment loan XXXX XXXX XXXX Multiple student loan accounts I never applied for ( identity theft ) XXXX XXXX XXXX, XXXX GA XXXX This address is not mine and was fraudulently added to my report. I have never lived at this location and its presence is a clear FCRA violation under 1681e ( b ). 

These errors have directly contributed to a dramatic drop in my credit score, excessive utilization rates, and an inaccurate public record of my creditworthiness. Experian is in violation of FCRA 1681i for failing to conduct a reasonable reinvestigation, 1681e ( b ) for failure to ensure maximum possible accuracy, and 1681c-2 for continuing to report fraudulent accounts after a valid police report and fraud alert were filed. Furthermore, by continuing to email me after being instructed not to, they are in breach of CFPB communication standards.

I am requesting that Experian immediately and permanently delete all of the accounts and information listed above, cease all email correspondence, and provide written confirmation through the CFPB portal only. No deleted account may be reinserted without proper verification under FCRA 1681i ( a ) ( 5 ) ( B ). I declare under penalty of perjury that this information is true and accurate to the best of my knowledge.

Sincerely, 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