Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXXI am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act (FCRA), Consumer Financial Protection Act (CFPA), and citing direct violations confirmed by the CFPBs XXXX XXXX lawsuit against EXPERIAN XXXX**I am a victim of malpractice and broken laws based on the XXXX lawsuit against EXPERIAN .**And Im also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under: - 15 U.S.C.  1681i  Failure to conduct a reasonable reinvestigation - 15 U.S.C.  1681i(a)(2)  Failure to forward all submitted documentation to furnishers - 15 U.S.C.  1681e(b)  Failure to maintain maximum possible accuracy - 15 U.S.C.  1681c-2  Failure to block fraudulent accounts upon identity theft report - 18 U.S.C.  1028  Identity Theft and Assumption Deterrence Act - FACTA  Fair and Accurate Credit Transactions Act of 2003 - Metro 2 Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or Experians data mishandling.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2) XXXX XXXX XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2) XXXX XXXX XXXX XXXX  Failure to investigate identity theft (FCRA  1681c-2) XXXX XXXX XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2) XXXX XXXX XXXX XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2) XXXX XXXX XXXX XXXX XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2) XXXX XXXX XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2) XXXX XXXX XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2) XXXX XXXX XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2) Accounts reinserted without MOV or consumer notice, Metro 2 violations (codes 30/31), FCRA  1681c-2 and  1681i(a)(2) violations Pattern of Misconduct  EXPERIAN  Lawsuit Reference This is not isolated. The CFPB filed suit against EXPERIAN in XXXX XXXX (Case 8:25-cv-00024) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims  the very same\nconduct Im reporting here. I am directly experiencing the same violations as outlined in that case'

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