Consumer complaint received 2025-12-03 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: MS

Complaint narrative:
Subject : Failure to Conduct a Reasonable Investigation / Reporting Inaccurate Information / Failure to Provide Method of Verification Im filing this complaint against Experian, Equifax, and TransUnion for reporting accounts that do not belong to me and for repeatedly failing to follow federal requirements for dispute investigations. 

I have an Identity Theft Report on file with the Federal Trade Commission that documents these fraudulent accounts. After I submitted that report, the XXXX XXXX account in question was removed from my credit file. A week later, the account was added back without any notice, explanation, or proof. The bureaus stated that the information was verified by the furnisher, yet I was never given any method of verification or documentation showing how that verification took place. 

This is a major red flag. If the bureaus truly conducted a proper investigation, the account wouldnt be removed and then reinserted without following the reinsertion rules under the FCRA. Reappearing accounts with no proof and no investigation details show that the credit bureaus rely on automated systems like XXXX instead of reviewing the documentation I submitted. It also shows that XXXX XXXX never provided real verification of this debt. 

When I contacted XXXX XXXXXXXX directly, I received a generic letter saying they needed more information about which account I was referring to. I called the number in the letter, waited on hold, and was disconnected. They have never provided anything that meets the legal standard of debt validation. Billing statements and balances do not prove ownership or liability. They do not prove that I opened the account. They do not satisfy the law. 

Ive been disputing this since XX/XX/year>. All three credit reporting agencies continue to send me automated responses that do not address the identity theft report, the lack of validation, or the inconsistencies in their own reporting. They have ignored my request for a proper method of verification, which is something I am legally entitled to. 

The reinsertion of an account after removalwithout proper notice and without supporting documentsis a direct violation of the Fair Credit Reporting Act. It also reinforces my claim that the bureaus are not conducting real investigations. Their own behavior shows they are rubber-stamping whatever response the furnisher sends, even when the furnisher hasnt actually validated anything. 

The CFPB has already taken enforcement action against these same companies for sham investigations. Yet here we are in XXXX dealing with the same conduct. I am requesting the following : XXXX. Remove the inaccurate XXXX XXXX account and any other accounts tied to identity theft. 
XXXX. Provide the method of verification for each investigation. 
XXXX. Stop reinserting unverified information. 
XXXX. Ensure each bureau complies with federal law regarding identity theft, dispute handling, and reinvestigations. 

I have met every requirement placed on me as a consumer. The failures are on the credit bureaus and the furnisher. This has affected my credit standing and has caused significant frustration and unnecessary time spent trying to correct something that should have been fixed months ago.

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