Consumer complaint received 2025-11-04 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: NY

Complaint narrative:
On XX/XX/year>, I formally notified Experian that I am a verified victim of identity theft. Along with my notice, I submitted my FTC Identity Theft Report ( # XXXX ), proof of identification, and written disputes identifying the fraudulent accounts. Shortly after, XXXX confirmed in CFPB Case # XXXX that my identity-theft documentation and dispute information were verified and forwarded to all three major credit bureaus, including Experian, for immediate compliance and removal of the fraudulent data. 

Despite these clear notices, Experian has continued to report fraudulent and inaccurate accounts on my credit report dated XX/XX/year>, including : XXXX XXXX approximately {$21000.00} charge-off XXXX XXXX XXXX approximately {$320.00} charge-off XXXX XXXX XXXX XXXX approximately {$900.00} charge-off XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX collection account around {$610.00} XXXX XXXX XXXX XXXX approximately {$4000.00} charge-off XXXX revolving account listed negative Each of these accounts has been repeatedly disputed and fully documented as identity-theft-related, yet Experian has refused to take corrective action. This failure violates several key provisions of the Fair Credit Reporting Act ( FCRA ) : 605B ( 15 U.S.C. 1681c-2 ) Failure to block identity-theft information within 4 business days of receiving proper documentation ; 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation within the statutory 30-day period ; 623 ( a ) ( 6 ) Continuing to report information known to be fraudulent after receiving notice. 

Since XXXXXXXX XXXX, Experian has had all necessary documents in its possession confirming the identity theft and the specific fraudulent items. However, as of early XXXX, Experian continues to willfully and negligently report this false information. This disregard for the law is not only unlawful but also damaging causing ongoing financial harm, credit denials, and reputational injury. 

I have taken all reasonable steps as a consumer, providing Experian with direct evidence, verification, and written requests for deletion. Experians continued inaction demonstrates systemic non-compliance and a deliberate failure to uphold its obligations under the FCRA. 

At this point, legal counsel has been retained, and formal civil litigation is in preparation. This complaint is being filed with the Consumer Financial Protection Bureau ( CFPB ) concurrently to document Experians pattern of violations and request immediate regulatory review. 

I am requesting that Experian be directed to : Immediately block and delete all fraudulent and negative accounts identified in my report ; Cease all further reporting of these items to third parties ; Issue a corrected and verified consumer report reflecting only lawful, verified accounts ; and Provide written confirmation of full compliance to the CFPB and to me. 

Experian has had more than sufficient time and documentation to comply with federal law. This is a final request before legal enforcement proceeds to the fullest extent under 15 U.S.C. 1681n and 1681o for willful and negligent non-compliance.

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