Consumer complaint received 2025-04-15 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: DC

Complaint narrative:
ACCORDING TO 15 USC 1692 c you have violated my rights by unlawful communications. Under 15 USC 1681c-2, I demand that you remove these negative accounts within 4 days. Thank you I am submitting this complaint regarding Experians failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to XXXX inaccurate and fraudulent accounts currently being reported on my credit file. 

I am a verified victim of identity theft. I have submitted my FTC Identity Theft Report, a copy of my government-issued ID, and proof that my personal information was compromised in the Equifax data breach, as required under FCRA 605B , which mandates consumer reporting agencies to block fraudulent information from a consumers credit report within XXXX business days of receiving proper documentation. 

Despite my compliance with all legal requirements, Experian continues to report the following fraudulent accounts : XXXX. XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$220.00} Status : {$150.00} past due as of XX/XX/XXXX This is my second dispute of this account. Despite submitting all required documentation, Experian has failed to remove or block this account as required by law. 
XXXX. XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$710.00} Status : Collection account, {$710.00} past due as of XX/XX/XXXX This is my first dispute of this account, accompanied by all necessary identity theft documentation. Still, Experian has not blocked this account from my file. 

Experian is in violation of the following FCRA sections : 605B : Failure to block fraudulent information after proper identity theft documentation was submitted 611 : Failure to conduct a reasonable reinvestigation of disputed information 623 : Continued reporting of inaccurate information furnished by data furnishers These accounts are not mine. They are the result of identity theft, and Experians refusal to follow federal law is negatively affecting my credit standing, mental well-being, and access to fair financial opportunities. I am requesting immediate correction of my credit file by permanently removing the fraudulent accounts listed above and holding Experian accountable for failing to comply with federal consumer protection laws. 

Furthermore, Experian has made it extremely difficult to submit disputes online, to the point where I have to try multiple times from different browsers and devices. 

If these fraudulent accounts are not permanently removed, I will pursue legal action under 15 U.S. Code 1681n of the Fair Credit Reporting Act, which allows for actual, statutory, and punitive damages against Experian for willful noncompliance. I will not hesitate to escalate this matter in federal court and seek maximum compensation allowed by law.

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