Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
To W

hom It May Concern : This is a formal and urgent complaint against Experian for willfully violating the Fair Credit Reporting Act ( FCRA ) by refusing to delete multiple fraudulent accounts that were included in my FTC Identity Theft Reportdespite full compliance with all required documentation and legal procedures. Not only have I provided Experian with an official FTC Identity Theft Report, a police report, proof of identity, and a written statement disputing the fraudulent accounts, but my personal information was also compromised in a confirmed data breach, putting me at high risk for identity thefta risk that has already materialized. Experian is fully aware that my identity was compromised and has still chosen to continue reporting and verifying fraudulent accounts, in clear violation of federal co
nsumer protection laws.

Fraudulent Accounts That Must Be Deleted Immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX These accounts were not opened by me and were part of the identity theft I documented in my FTC report . Experian has had ample time ( well beyond the statutory deadlines ) to block and delete these accounts but has refused to do so.

Legal Violations : 1. FCRA 605B ( 15 U.S.C. 1681c2 ) : XXXX  is required to block fraudulent information within four ( 4 ) business days of receiving : Proper identification, An Identity Theft Report, A statement of dispute, Identification of the fraudulent accounts.

I submitted all of these. Their continued reporting is not only unlawfulit is deliberate and malicious.

2. FCRA 611 ( 15 U.S.C. 1681i ) : Experian has failed to conduct a reasonable re-investigation or remove unverifiable data within the required time. The accounts remain on my report without any legitimate proof of authorization or validation.

3. FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Experian is obligated to follow reasonable procedures to assure maximum possible accuracy. Continuing to report accounts that I have proven to be fraudulentespecially when other bureaus have removed themis clear proof of failure to meet this requirement.

4. Negligence and Willful Noncompliance ( 1681n and 1681o ) : Given that I am a known victim of identity theft due to a data breach ( including possible exposure from prior confirmed data breaches involving XXXX  and others ), Experians inaction constitutes both negligent and willful noncompliance, making them liable for damages, attorneys fees, and punitive damages. Demands : I am demanding that the CFPB immediately investigate Experian for these serious violations and compel them to : Immediately delete the fraudulent accounts listed above. Cease all further reporting of these accounts. Provide written confirmation of deletions and the results of any internal investigation conducted. If Experian continues to violate federal law and fails to remove these accounts, I will pursue civil action for damages under FCRA 1681n and 1681o, and I will not hesitate to involve state attorneys general and legal representation. The harm to my credit, time, and peace of mind is unacceptableand made worse by Experians blatan
t disregard for federal law and consumer protection.

Sincerely, 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