Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am a victim of identity theft and data compromise, which has led to multiple fraudulent and inaccurately reported tradelines being added to my credit report with Experian. Despite filing disputes and providing sufficient documentation including an FTC identity theft report Experian and the furnishers have failed to investigate and correct the reporting violations in accordance with federal law. 

Background Details : On XX/XX/year>, I submitted a written dispute to Experian regarding multiple inaccurate and unverifiable accounts, including : XXXX XXXX ( Account ending in XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX ( Account ending in XXXX XXXX XXXX XXXX XXXX ) XXXX  XXXX  ( Account ending in XXXX XXXX XXXX  ) I also disputed incorrect personal information appearing in my file, including outdated or erroneous addresses and a misspelled version of my name ( XXXX XXXX XXXX ). These errors violate my rights under FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), as they negatively impact my creditworthiness and suggest a lack of accurate reporting controls. 

Violations by Experian and XXXX XXXX : Failure to Block Identity Theft Information Under 15 U.S.C. 1681c-2 ( a ), Experian was required to block the fraudulent tradelines within XXXX  business days of receiving my identity theft report and supporting documentation. This was not done. 

Failure to Provide Verification Documents I requested original signed contracts or applications under FCRA 609 ( a ) ( 1 ). None of the furnishers provided such documentation proving that I authorized or benefited from the accounts. 

Reinsertion of Deleted or Disputed Information Experian reinserted previously disputed and unverifiable data without providing the required XXXX-day reinsertion notice under FCRA 611 ( a ) ( 5 ) ( B ). This is a serious compliance failure. 

XXXX XXXX Reporting Violations The XXXX XXXX, XXXX XXXX, and XXXX XXXX tradelines contain inconsistent and conflicting data. 

For example, XXXX XXXX is listed both as a charge-off/collection and as a closed revolving account, which violates XXXX XXXX data field alignment rules ( Status, Balance, and Payment Rating fields ). 

XXXX XXXX is coded as an unsecured installment loan but also reported as a charge-off, again an internal contradiction. 

XXXX XXXX appears as a lease I never signed or authorized. 

Failure to Investigate and Correct Inaccuracies All XXXX  furnishers violated 15 U.S.C. 1681s-2 ( b ) by failing to reasonably investigate disputes, continuing to report inaccurate information, and not updating their reporting to reflect disputed or unverifiable accounts. 

Consumer Impact : These inaccurate tradelines and personal data errors have caused significant harm, including denial of credit opportunities, damage to my reputation, and emotional distress. Despite multiple certified disputes, Experian has not provided evidence of any meaningful reinvestigation or correction. This continued negligence constitutes willful non-compliance under 1681n ( b ) and negligent non-compliance under 1681o.

Requested Resolution : I am requesting that the Consumer Financial Protection Bureau compel : Experian to immediately block and delete all fraudulent and unverifiable tradelines, and to remove inaccurate personal information from my file. 

XXXX XXXX, XXXX XXXX, and XXXX XXXX to cease reporting unverifiable data and to provide documentation proving any alleged debt. 

Confirmation from Experian that these items have been deleted and that updated reports are sent to me and any XXXX  XXXX  who received inaccurate versions. 

Supporting Evidence Attached : FTC Identity Theft Report Correspondence and dispute letters dated XX/XX/year> Experian credit report pages showing XXXX XXXX inconsistencies and account details

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