Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
CFPB Complaint Summary Subject : Improper Handling of Identity Theft and XXXX XXXX XXXX XXXX Failure to Remove/Block Inaccurate Information under FCRA 605B , 605C, 611, and 607 I am filing this complaint as a verified victim of XXXX XXXX and identity theft, supported by documentation from the U.S. Department of Health and Human Services Office on XXXX XXXX XXXX ( XXXX  ), as well as a police report and FTC Identity Theft Report ( ID # XXXX ). 

I have submitted formal disputes with all three major credit bureaus ( Experian, Equifax, and TransUnion ), requesting blocking and removal of inaccurate and fraudulent information pursuant to the Fair Credit Reporting Act, specifically under sections 605B, 605C, 611 ( a ), 611 ( a ) ( 7 ), and 607 ( b ). Despite my lawful and substantiated requests, the following violations have occurred : 1. Failure to Block Fraudulent Accounts ( FCRA 605B & 605C ) Although I submitted identity theft documentation and a certification letter confirming my status as a victim of XXXX XXXX, fraudulent tradelines remain on my credit reports. These items were not blocked within the required 4 business days and no written explanation was provided. 

2. Improper Investigation Procedures ( FCRA 611 ) I requested a manual reinvestigation and the Method of Verification ( MOV ) for disputed accounts. To date, no MOV has been provided, and evidence suggests that disputes were handled through automated e-OSCAR systems without proper review or validation. This is in direct violation of 611 ( a ) ( 7 ). 

3. Inaccurate Personal Information Still Reporting I have made multiple requests to correct and update my personal identifying information. Despite clear instructions and documented proof, the credit bureaus have failed to : Remove outdated or unauthorized addresses. 

Correct name variations and employer listings. 

Suppress public display of SSN and date of birth. 

This constitutes a failure under FCRA 607 ( b ) to ensure maximum possible accuracy of the credit file. 

4. Refusal to Place Permanent Security Freeze & Opt-Out Although I have placed security freezes with XXXX, XXXX, XXXX, and other secondary bureaus, the primary bureaus have not honored my request to : Place a permanent security freeze on my credit file. 

Initiate a permanent opt-out of prescreened offers to reduce risk of further identity theft. 

5. Documented History of Identity Compromise My identity has been exposed in several major data breaches ( e.g., XXXX XXXX XXXX Equifax, XXXX, Experian ), and there are confirmed dark web alerts and unauthorized activity, including : Multiple unauthorized address changes between XXXX XXXX. 

Returned fraudulent checks totaling {$4600.00}. 

Confirmed alerts from my identity protection service. 

6. Incomplete or Non-Existent Responses from the Bureaus Despite providing a : Certified XXXX XXXX victim letter ( issued XX/XX/year>, XXXX HHS ) FTC Identity Theft Report Police Report Proof of fraud-related damages and address compromise ... no bureau has completed the required actions, nor have they provided the verification methods or investigation summaries mandated under federal law.

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