Consumer complaint received 2025-06-29 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: AZ

Complaint narrative:
Subject : Failure to Block Fraudulent Accounts After Identity Theft Affidavit Submission FCRA Violation Category : Credit reporting > Improper use of your report > Information belongs to someone else ( Identity Theft ) Details of the Issue : On XX/XX/XXXX, I submitted a formal written dispute to Experian, Equifax, TransUnion, along with an FTC Identity Theft Affidavit, to dispute multiple fraudulent accounts that were reported under my name without my knowledge or authorization. 

In the dispute, I clearly stated that the following accounts were the result of identity theft : XXXX XXXX, Balance : {$1500.00} Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$870.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance XXXX {$600.00} Account # XXXX XXXX XXXX  XXXX XXXX, Balance : {$2700.00} Account # XXXX XXXX XXXX XXXX XXXX, Balance : {$1200.00} Account # XXXX XXXX XXXX XXXX, Balance : {$5900.00} Account # XXXX XXXX XXXX XXXX XXXX, Balance : {$600.00} Account # XXXX Additionally, I disputed an unknown address associated with my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX which has no connection to me whatsoever. 

As required under the Fair Credit Reporting Act ( FCRA ) Section 605B [ 15 U.S.C. 1681c-2 ], I provided sufficient documentation to demand the blocking and permanent removal of these fraudulent accounts from my consumer file within 4 business days. 

Despite submitting : A written identity theft dispute letter My FTC Identity Theft Report/Affidavit A copy of my government-issued ID and proof of address The credit reporting agency ( or furnisher ) has failed to remove the accounts and continues to report this fraudulent information, damaging my credit standing. 

Impact on Me : Due to their failure to comply with the FCRA : My credit score has been severely impacted. 

Ive been denied access to fair credit and financial opportunities. 

I continue to experience undue stress and reputational harm. 

This is not only negligent, but constitutes willful noncompliance under FCRA Sections 1681n and 1681o, for which I reserve the right to pursue legal action.

What I Want : I am requesting that the CFPB intervene and compel [ Insert Credit Bureau or Furnisher Name ] to : Immediately delete and block the above-mentioned accounts from all versions of my credit file.

Provide me with a written confirmation that these items have been removed.

Provide a full copy of my updated credit report showing the corrections. 

Investigate why my identity theft affidavit was ignored and ensure compliance going forward. 

Supporting Documents : FTC Identity Theft Affidavit Copy of my original dispute letter dated XX/XX/XXXX Copy of my drivers license and proof of current address List of disputed fraudulent accounts and address My Information : Name : XXXX XXXX XXXX XXXX Last XXXX Digits : XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Phone ( XXXX ) XXXX email XXXX XXXX

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