Consumer complaint received 2025-10-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am submitting this complaint against Experian for their continued failure to remove or correct fraudulent and inaccurate information from my credit report, despite multiple disputes, police reports, and identity theft affidavits. 

The complaint concerns a fraudulent * XXXX XXXX account ( ending in XXXX ) that remains on my credit report. Experians repeated inaction violates several sections of the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ), 611, and 623, which require credit reporting agencies and furnishers to maintain accurate records, conduct reasonable investigations, and remove unverifiable information. 

Background and Dispute History Since XX/XX/XXXX, I have filed multiple disputes directly with Experian regarding fraudulent or inaccurate accounts, including XXXX XXXX, on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

In each dispute, I provided : Police reports and FTC Identity Theft Affidavits proving identity theft ; Supporting documentation showing the account was opened fraudulently ; and Detailed written analyses identifying multiple reporting errors and inconsistencies. 

Despite this, Experian continues to report the XXXX XXXX account without verifying its legitimacy or accuracy. 

Details of Most Recent Dispute ( Filed XX/XX/XXXX ) In my most recent dispute, I outlined multiple violations and inaccuracies under the FCRA, including : Conflicting Account Statuses The account is simultaneously reported as Charged Off and Transferred to Recovery, which is contradictory. 

Improper Re-Aging Experian continues to re-age the account by reporting Charge Off ( L ) monthly, unlawfully extending the negative impact.

Incomplete Payment Data Several months show No Data Available, making the reporting unverifiable.

Balance Discrepancy Experian lists a High Credit of {$150000.00}, while the original loan amount was {$130000.00}. 

Inaccurate Payment History Payment figures ( e.g., XX/XX/XXXX : {$1000.00} scheduled vs. {$2200.00} actual ) are inconsistent and unsupported. 

Contradictory Dispute Flags The account remains listed as Consumer Disputes Reinvestigation in Process, while XXXX  shows verified as reported. 

I also specifically requested that Experian obtain proof of disbursement of funds from the furnisher showing that loan proceeds were actually deposited into my account ( s ). Experian has failed to provide this documentation or to remove the unverifiable tradeline.

FCRA Violations and Legal Basis Experians actions constitute clear violations of several FCRA provisions : FCRA 611 ( a ) Failure to Conduct a Reasonable Reinvestigation Experian has repeatedly failed to conduct a meaningful reinvestigation of my disputes. A reasonable reinvestigation requires Experian to contact the furnisher and obtain verification that the account is legitimate. Since neither Experian nor the furnisher has produced any proof that funds were disbursed to my accounts, the account should have been deleted as unverifiable.

Merely accepting the furnishers verified response without documentation is not a reasonable reinvestigation and violates 611 ( a ).

FCRA 607 ( b ) Failure to Ensure Maximum Possible Accuracy By continuing to report contradictory, incomplete, and unverifiable information, Experian has failed to maintain maximum possible accuracy in my credit report as required under 607 ( b ).

FCRA 611 ( a ) ( 7 ) Failure to Provide Method of Verification ( MOV ) After multiple written requests, Experian has not provided the required Method of Verification, including the name, address, and telephone number of the individual or department who verified this account.

FCRA 623 ( a ) ( 1 ) ( A ) Furnisher Violation ( XXXX XXXX XXXX Bank ) If the furnisher can not provide proof that the account belongs to me or that loan proceeds were disbursed into my account, continuing to report this tradeline constitutes knowingly furnishing inaccurate information. 

Case Law Supporting These Violations Federal courts have established that credit reporting agencies and furnishers must conduct meaningful investigations and can not rely solely on automated responses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs must perform an independent and reasonable investigation ; reliance solely on a furnishers confirmation is insufficient. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) A superficial or automated reinvestigation violates XXXX ( a ). 

XXXX v. XXXX XXXX. Bank, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Furnishers must reasonably investigate disputed information before verifying its accuracy. 

Requested Resolution I am requesting that the Consumer Financial Protection Bureau compel Experian to : * Immediately delete or correct the XXXX XXXX account ( ending in XXXX ) due to lack of verifiable proof ; Provide the full Method of Verification ( MOV ), including the name, address, and contact information of the person or department who verified the account ; Restore my credit standing and correct any score damage caused by Experians failure to remove this fraudulent tradeline ; and Implement improved fraud and verification procedures to ensure compliance with the FCRA and protect consumers from continued identity theft damage.

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