Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian Dispute Department XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Urgent Dispute of Fraudulent Accounts & Immediate FCRA Compliance Required To Whom It May Concern, This letter serves as an official dispute under the Fair Credit Reporting Act ( FCRA ) regarding multiple fraudulent accounts and inaccuracies on my credit report. Experian is in direct violation of multiple FCRA provisions by failing to correct these inaccuracies despite my previous disputes. 
Experians Longstanding Negligence in Resolving My Dispute I first initiated disputes in XXXX of last year, and despite multiple follow-ups, Experian has failed to correct these fraudulent accounts. 
My dispute remains open for over six months, exceeding the 30-day timeframe required under FCRA Sections 609 & 611.

Additionally, I currently have an open complaint with the CFPB that has been pending for over 30 days with no response from Experian, further demonstrating a pattern of noncompliance. 
The CFPB is actively suing Experian for its repeated failures in complying with federal consumer protection laws. Experian 's negligence in handling my dispute mirrors the same misconduct that has led to regulatory actions against them. 
This issue must be resolved immediately as I have provided an FTC identity theft report and a police report, which Experian is legally obligated to honor under FCRA Section 605B.

This unresolved dispute is directly affecting my employment and housing stability.

Due to Experians failure to correct these fraudulent accounts, I am unable to obtain the necessary security clearance for my job, jeopardizing my ability to work. If I can not work, this will also impact my ability to pay rent, putting my housing at risk.

Experians negligence is creating a severe financial and personal hardship, which must be addressed immediately.

Experians Violations of Federal Law 1. FCRA Section 605B Requires credit bureaus to block fraudulent information upon receipt of an identity theft report. Experian has failed to comply despite my submission of a police report and FTC affidavit.

2. FCRA Section 609 & 611 Mandates that credit bureaus verify or delete disputed accounts within 30 days. My disputes have been ignored for over 6 months, which is an egregious violation of federal law.

3. FCRA Section 623 Prohibits the reporting of inaccurate or unverifiable information. 
Experian continues to allow data furnishers to report fraudulent accounts, re-aged accounts, and false charge-offs.

4. FCRA Section 605 Limits how long negative information can be reported. Some of my accounts have had delinquency dates altered to extend their reporting periods, which is illegal re-aging.

5. Failure to Respond to CFPB Complaints I have previously filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). Experian has failed to respond or take action, demonstrating a pattern of willful noncompliance with federal consumer protection laws.

6. CFPBs Active Lawsuit Against Experian The CFPB is already suing Experian for widespread neg
ligence and failure to comply with federal consumer protection laws.

Experians continued misconduct in handling disputes further validates the need for strict regulatory intervention.

7. FCRA Section 604 Restricts the use of credit reports to permissible purposes only.

Experian has failed to protect my data from unauthorized usage by allowing fraudulent accounts to remain on my file.

8. FCRA Section 616 & 617 Grants me the right to pursue legal action against Experian for willful and negligent noncompliance, entitling me to statutory damages of up to {$1000.00} per violation, punitive damages, and legal fees.

9. FCRA Section 1666B Prohibits creditors from reporting fraudulent or disputed charges while under investigation. Experian is in violation by continuing to report fraudulent accounts despite clear disputes and legal documentation.

10. FCRA Section 1681e ( b ) Requires credit reporting agencies to maintain maximum possible accuracy of credit information. Experian is in violation by reporting incorrect a
ccount statuses, fraudulent debts, and re-aged delinquencies.

11. FCRA Section 1681g Mandates that consumers receive full disclosure of all information in their credit files. Experian has failed to provide accurate, complete, and transparent reporting of my disputed accounts.

12. FCRA Section 615 ( a ) Requires Experian to notify me of adverse actions taken against me due to information in my credit report. No proper notification has been given.

13. FCRA Section 615 ( f ) Prohibits the use of fraudulent or inaccurate consumer reports in making credit decisions, yet Experian has allowed this to continue.

Errors in My Credit Report ( FRAUD & FCRA Violations ) & Inaccurate Payment Histories Below are fraudulent accounts and specific inaccuracies that violate FCRA regulations : XXXX XXXX XXXX XXXX XXXX & Charged Off, Balance {$4500.00}, Account XXXX XXXXXXXX ) Violates FCRA Section 623 ( a ) ( 3 ) for re-aging of delinquencies before charge-off. 
XXXX XXXX ( Fraudulent & Closed, Balance {$1900.00}, Account XXXX XXXXXXXX ) Violates FCRA Section 609 for inaccurate past due balance and inconsistent payment history. 
XXXX ( Fraudulent & Charged Off, Balance {$3200.00}, Account XXXX XXXXXXXX ) Violates FCRA Sections 609 & 611 for inaccurate charge-off amount and failure to verify account details. 
XXXX XXXX XXXX Fraudulent & Charged Off, Balance {$4600.00}, Account XXXX XXXXXXXX ) Violates FCRA Sections 609 & 623 for charge-off reporting errors and multiple delinquency status changes. 
XXXX XXXX XXXX ( Fraudulent & Charged Off, Balance {$4300.00}, Account # XXXX ) Violates FCRA Section 623 for delinquency alterations and inaccurate reporting. 
XXXX XXXX ( Fraudulent & Charged Off, Balance {$4500.00}, Account XXXX XXXXXXXX ) Violates FCRA Section 609 for inconsistent delinquency reporting and unverifiable balance. 
XXXXXXXX XXXX XXXX  ( Fraudulent & Charged Off, Balance {$2800.00}, Account XXXX XXXXXXXX ) Violates FCRA Section 609 for illegal balance reporting and failure to validate debt ownership. 
XXXX XXXX ( Fraudulent & Charged Off, Balance {$7000.00}, Account XXXX XXXXXXXX ) Violates FCRA Section 605B for charge-off discrepancies and balance misreporting. 
XXXX ( Fraudulent & Charged Off, Balance {$850.00}, Account XXXX XXXXXXXX ) Violates FCRA Section 623 ( a ) ( 3 ) for re-aged delinquency and incorrect charge-off reporting. 
XXXX XXXX XXXX ( Fraudulent Collection, Balance {$3400.00}, Account XXXX XXXXXXXX ) Violates FCRA Section 609 for being opened in XX/XX/XXXX but reported delinquent immediately. 
XXXX XXXX XXXX ( Fraudulent Collection, Balance {$2100.00}, Account XXXX XXXXXXXX ) Violates FCRA Section 609 for being opened in XX/XX/XXXX but listed past due in XX/XX/XXXX without verification. 
XXXX XXXX ( Fraudulent & Charged Off, Balance {$6500.00}, Account XXXX XXXXXXXX ) Violates FCRA Section 609 for inconsistent charge-off reporting and balance misreporting. 
I demand an immediate resolution to these disputes. Experian is legally required to take corrective action, and continued failure to comply will result in legal action. I expect written confirmation of corrections within 7 days or I will escalate this matter further. 
Sincerely, XXXX 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