Consumer complaint received 2025-01-08 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: NY

Complaint narrative:
Subject : Formal Request for Explanation of Verification Process and Dispute Resolution To Whom It May Concern, I XXXX XXXX I am writing to formally address significant inaccuracies on my credit report and request a detailed explanation regarding Experians verification process in relation to my recent dispute. On XX/XX/XXXX submitted a comprehensive dispute to Experian, on XX/XX/XXXXXXXX  I got confirmation that my certified mail had been delivered to Experian dispute center XXXX XXXX XXXX, XXXX XXXX, CA XXXX. including substantial evidence supporting my claim that certain accounts on my credit report are fraudulent. Despite this, Experian failed to remove the disputed accounts, instead marking them as verified without providing any explanation of how this determination was made.on investigating these accounts 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 The accounts in question are fraudulent, as they were opened without my consent, and none of the creditors can produce contracts with my wet-ink signature. These accounts were created online, which I have clearly explained in my prior communications. Experians failure to properly investigate and correct these errors has caused severe harm to my credit profile, negatively impacting my ability to secure housing, credit, car insurance, health insurance, and life insurance. 
Documentation Submitted In my previous correspondence, I provided : 1. A signed Affidavit notarized by a public notary of Truth listing the fraudulent accounts. 
2. An FTC Identity Theft Report. 
3. Evidence from the XXXX XXXX data breach showing my information was compromised. 
4. Copies of my government-issued ID ( drivers license ) and bank statements and my housing lease to confirm my current address. 
I also requested that all outdated or incorrect addresses be removed from my credit report, leaving only my current address : XXXX XXXX XXXX XXXX, XXXX, NY XXXX Despite this, Experian has continued reporting outdated addresses and fraudulent accounts, which is both inaccurate and a violation of my rights. 
Violations and Legal Concerns 1. Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. Experians actions suggest a failure to fulfill this obligation, as no evidence has been provided to demonstrate how the disputed accounts were verified. 
2. Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case emphasizes that credit reporting agencies must go beyond merely accepting a creditors word during a reinvestigation and must conduct an independent and reasonable investigation. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : Establishes that credit bureaus can be held liable under the FCRA if they fail to conduct a proper investigation or report inaccurate information. 
3. Consumer Financial Protection Bureau ( CFPB ) Lawsuit Against Experian : The CFPB has previously sued Experian for failing to adequately investigate disputes and for reinserting incorrect information on consumers credit reports. These sham practices violate consumer trust and the legal requirements of the FCRA. It appears that similar practices have occurred in my case, as Experian has returned the disputed accounts to my credit report with the same balances despite the overwhelming evidence I provided. 
Damage to My Opportunities As a direct result of Experians inaccurate reporting, I have experienced : Denial of housing opportunities due to a low credit score. 
Increased costs for car insurance, health insurance, and life insurance. 
Inability to secure credit to address urgent financial needs. 
Additionally, my credit report inaccurately shows over {$100000.00} in debt, which is severely damaging my financial reputation and overall quality of life. 
Requested Actions To resolve this matter, I am requesting the following : 1. Removal of all fraudulent accounts from my credit report, as detailed in my original affidavit and dispute.

2. Removal of all outdated and incorrect addresses, leaving only my verified current address : [ insert address ].

3. A detailed explanation of the verification process used, including : How Experian verified these accounts despite my documented claims of identity theft. 
What evidence or documentation was provided by the furnishers to support their claims of account validity. 
Failure to Act If Experian does not correct these inaccuracies within 30 days of receiving this letter, I will take the following actions : 1. File formal complaints with the Federal Trade Commission ( FTC ), and my state attorney generals office.

2. Pursue legal remedies under the FCRA, including but not limited to : 15 U.S.C. 1681n, which provides for damages for willful noncompliance.

15 U.S.C. 1681o, which provides for damages for negligent noncompliance.

Experians continued failure to comply with its obligations under the FCRA demonstrates a reckless disregard for the accuracy of my credit report and the harm caused to my financial well-being. I expect Experian to take this matter seriously and act promptly to correct these errors.

Please respond in writing within 15 days of receipt of this letter. 
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