Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint against Experian for its continued refusal to block and remove a fraudulent XXXX XXXX XXXX tradeline from my credit report, in violation of federal law. 

I have submitted a valid FTC Identity Theft Report, a police report, a written dispute identifying the account as fraudulent, and proof of my identity and address. These documents were sent to Experian in full compliance with FCRA 1681c-2, which requires the credit reporting agency to block fraudulent information from my file within XXXX business days. 

Instead of complying, Experian has denied my request, claiming that because there is a default judgment related to the account, they are not obligated to block the item. They have also indicated that they are relying on the creditors decision ( XXXX ) and not conducting an independent review of the dispute, as required by law. I was never properly served in the court case that led to the judgment, and I am now in the process of filing a motion to set aside that judgment based on fraud and lack of service. 

Experian has continued to report this account despite full documentation proving that it is the result of identity theft. They are relying on a judgment that is currently under legal challenge to justify refusing to block the account. This is a clear violation of the Fair Credit Reporting Act and demonstrates Experians failure to conduct a reasonable reinvestigation and to protect consumers who are victims of identity theft. 

I believe Experian is acting in bad faith and potentially in coordination with XXXX to maintain a fraudulent tradeline, which has severely damaged my credit, caused me emotional distress, and denied me fair access to credit. 

XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account Number : XXXX Type : Secured Card Opened : XX/XX/XXXX Status : Charged Off {$210.00} past due On Record Until : XX/XX/XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX ) Account Number : XXXX Type : Credit Card Opened : XX/XX/XXXX Status : Charged Off {$340.00} past due On Record Until : XX/XX/XXXX Both of these accounts were opened fraudulently using my identity. I have provided FTC Identity Theft Reports, police reports, written disputes, and proof of identity, and yet Experian has continued to reject my disputes and refuses to block these accounts as required under law. 

Experians Illegal Practices Include : Refusing to block these accounts under FCRA XXXX, even after receiving valid identity theft reports and supporting documents. 

Demanding that I contact the original creditors directly, which is not required under FCRA and shifts the burden illegally back to the consumer. 

Forwarding my disputes to their internal legal team, who are working directly with creditors like XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX  ( XXXX ) to maintain fraudulent tradelines. 

Blacklisting my complaints and denying my rights by acting on behalf of furnishers instead of as a neutral credit reporting agency. 

I want Experian to : Immediately and permanently block the XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX  accounts from my Experian credit file under FCRA 1681c-2. 

Provide me with a written confirmation of the block. 

Cease and desist from forwarding disputes to their legal department in a manner that obstructs fair re investigation. 

Refrain from instructing me to resolve identity theft directly with furnishers, which is not required by law when proper identity theft documentation is submitted. 

Provide full documentation of any certifications received from the creditors in support of continued reporting. 

Supporting Documents : Please note that I have attached : FTC Identity Theft Report Police Report Proof of identity and address Credit reports with fraudulent accounts highlighted Experian denial responses Letters of dispute

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