Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing a new complaint because TransUnion, EXPERIAN, EQUIFAX continues to report fraudulent, inaccurate, and unauthorized information on my credit report even after I completed an official FTC Identity Theft Report ( FTC Report Number XXXX ) and submitted disputes with supporting documentation. The disputed accounts, inquiries, and personal data were not opened by me, not authorized by me, and are the result of identity theft, unauthorized use of my information, and improper reinsertion of previously disputed items. TransUnion, EXPERIAN, EQUIFAX has failed to conduct a reasonable investigation, failed to block identity theft accounts as required by FCRA 605B, failed to provide verification or method of verification under FCRA 609, failed to ensure maximum accuracy per FCRA 603, and failed to notify me of reinsertion of previously disputed information as required by law. 

The following accounts appearing on my TransUnion, EXPERIAN, EQUIFAX report are fraudulent, inaccurate, unauthorized, or improperly reinserted and must be permanently removed under FCRA 605B : Absolute Resolutions Investments Account XXXX XXXXXXXX Balance {$10000.00} Absolute Resolutions Investments Account XXXX XXXXXXXX Balance {$580.00} XXXX XXXX Account XXXX XXXXXXXX Charged Off XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX Charged Off XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXXXXXX Charged Off XXXX XXXX Account XXXX XXXXXXXX Reporting twice with XXXX different balances ( {$90.00} and {$88.00} ) XXXX XXXX Unauthorized personal loan account XXXX XXXX XXXX Unauthorized personal loan account These accounts do not belong to me and were included in my FTC Identity Theft Report as fraudulent. 
In addition to the fraudulent accounts, TransUnion, EXPERIAN, EQUIFAX is also reporting multiple unauthorized hard inquiries that I did not initiate or approve. These inquiries are the result of identity theft and must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were also listed in my FTC Identity Theft Report as unauthorized. 
TransUnion, EXPERIAN, EQUIFAX continues to report these fraudulent accounts and inquiries even after receiving my identity theft documents, FTC report, and written disputes. I also submitted identity theft notices to Absolute Resolutions Investments requesting that they stop reporting and provide documents under the FDCPA and FCRA. These letters were included with my FTC identity theft documentation. 
TransUnion, EXPERIAN, EQUIFAX is violating several sections of the Fair Credit Reporting Act, including but not limited to : FCRA 603 failure to ensure maximum possible accuracy FCRA 605B failure to block identity-theft-related accounts within XXXX business days FCRA 609 failure to provide method of verification or supporting documentation FCRA 611 failure to conduct a reasonable reinvestigation FCRA 615 adverse action caused by inaccurate information Reinsertion violations reappearing items without notice or certification These violations have caused financial harm, credit denials, and ongoing reporting of fraudulent information despite proper identity theft procedures being followed on my part. 

I am requesting the following actions : Permanently block and delete all fraudulent accounts listed above under FCRA 605B. 

Remove all unauthorized hard inquiries. 

Provide me with copies of ALL documents TransUnion, EXPERIAN, EQUIFAX used to verify the accuracy of any disputed items. 

Provide proof of any legal right to furnish or report these accounts. 

Stop reinserting deleted or disputed data without notice. 

Update my file to reflect accurate information only. 

I will upload the following evidence to support this complaint : FTC Identity Theft Report ( XXXX XXXXXXXX ) TransUnion dispute investigation results Identity theft letters sent to Absolute Resolutions Investments Proof of identity Proof of address TransUnion, EXPERIAN, EQUIFAX has failed to follow federal law, continues to report fraudulent accounts and inquiries, and has not complied with identity theft protections under the FCRA. I am requesting immediate investigation and full removal of the fraudulent information.

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