Consumer complaint received 2025-10-21 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: MD

Complaint narrative:
b'I. Introduction\n\nI am submitting this formal rebuttal and enforcement request against Experian Information Solutions, Inc. (Experian) for multiple violations of the Fair Credit Reporting Act (15 U.S.C.  1681 et seq.), the Fair Debt Collection Practices Act (FDCPA) as it applies to furnishers, the Fair and Accurate Credit Transactions Act (FACTA), and the Servicemembers Civil Relief Act (SCRA).\n\nExperian has failed to conduct a reasonable reinvestigation as required under FCRA 611 (15 U.S.C. 1681i) and has willfully avoided compliance by relying solely on automated or technical responses from furnishers without providing any Method of Verification, in direct violation of federal law. This filing includes all supporting documentation, including IRS Form 14039 Identity Theft Affidavit, proof of identity, proof of XXXX XXXX military status, and prior dispute evidence.\n\nII. Background and Procedural History\n\nComplaint initially submitted via CFPB portal: XXXXExperian response: XXXXXXXX  Closed with explanation\n\nExperian asserts disputed items were verified by furnishers but provided no supporting documentation or evidence of investigation\n\nMultiple accounts are reported under the incorrect name XXXX XXXX, causing mixed-file contamination, a direct violation of FCRA 607(b)\n\nDespite repeated disputes and submission of evidence, Experian has engaged in procedural technicalities to avoid proper resolution, evading CFPB oversight, and failing to respond within the portal. This constitutes bad-faith conduct and willful noncompliance.\n\nIII. Disputed Accounts  Fraudulent and Identity Theft\n\nThe following accounts are not mine, fraudulent, or unauthorized. Immediate deletion and Method of Verification are demanded:\n\nCollections / Fraudulent Accounts\n\XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXName Variation / Mixed File\n\nAll accounts under the name Jade Brown must be removed or corrected to Jada Brown, per FCRA 607(b)\n\nIV. Unauthorized Hard Inquiries\n\nExperian has reported multiple inquiries for which I did not authorize credit checks, violating FCRA 604. These inquiries must be deleted immediately and include:\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 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 inquiries are unauthorized and must be removed immediately.\n\nV. Violations of Federal Law\n\nA. Fair Credit Reporting Act (FCRA)\n\n607(b)  Failure to report accurate consumer identification\n\XXXX   Failure to provide verification documentation\n\n611  Failure to conduct reasonable reinvestigation\n\n623(a)(3)  Furnisher compliance violations\n\n616 & 617  Willful and negligent noncompliance\n\n604  Unauthorized credit inquiries\n\nB. Servicemembers Civil Relief Act (SCRA)\n\nReporting of late payments during active-duty period violates SCRA protections\n\nC. Pattern and Practice of Evasive Conduct\nExperian relies on automated XXXX responses from furnishers without producing documentation. This does not meet FCRA reinvestigation standards (Cushman v. Trans Union, 115 F.3d 220). CFPB guidance confirms this practice is deceptive and legally insufficient.\n\nD. FDCPA & FACTA Considerations\n\nFurnishers are required to provide accurate, verified information. Reporting fraudulent or identity-theft accounts violates federal debt collection rules.\n\nVI. Demands and Relief Requested\n\nI request the CFPB to enforce the following:\n\nImmediate deletion of all disputed, fraudulent, and identity-theft accounts\n\nCorrection of name errors (Jade Brown  Jada Brown)\n\nFull Method of Verification for every remaining account, provided within CFPB portal only\n\nRemoval of all unauthorized credit inquiries\n\nRemoval of late payments reported during military active duty\n\nInvestigation of Experian for systemic FCRA violations\n\nImposition of civil penalties for willful noncompliance under XXXX\n\nPublic disclosure and transparency for Experians deceptive practices\n\nAll documentation has been previously submitted, including:\n\nIRS Form XXXX  Identity Theft Affidavit\n\nGovernment-issued ID\n\nProof of address\n\nMilitary verification\n\nPrevious dispute evidence\n\nVII. Conclusion\n\nExperians failure to conduct a lawful investigation, refusal to provide verification, reporting of fraudulent accounts, and reliance on technicalities constitute systemic violations of federal law.\n\nThis submission serves as a formal CFPB escalation request. Experian must comply immediately. Failure to do so constitutes willful FCRA violations and actionable harm.'

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