Consumer complaint received 2025-05-19 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: MO

Complaint narrative:
Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Washington XXXX XXXX XXXX CC : Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Formal Complaint Against Experian Regarding Fraudulent Account and Multiple Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am writing to formally request that both the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) investigate Experians handling of a fraudulent accountHyundai Capitalthat has been repeatedly and improperly reported on my credit report. 

Background On multiple occasions over the past four months, I have disputed the reporting of the XXXX XXXX account, which is a the result of identity theft, fraud, and misrepresentation. I submitted documentation to Experian substantiating this claim. On XX/XX/XXXX, I received written confirmation from Experian ( Report XXXX : XXXX ) stating that this account would be deleted from my credit report. 

I am attaching a copy of that notification as evidence. Despite this written assurance, the account has not been removed from my credit report, and Experian continues to report that the account is accurate, including alleged late payments, which is false. 

Violations of Federal Law Experians actions constitute multiple violations of the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Delete Previously Removed Information ( Reinsertion without Notice ) Citation : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) If any information is deleted from a consumers file the information may not be reinserted unless the furnisher certifies it is complete and accurate and the agency notifies the consumer within 5 business days of the reinsertion.

Violation : Experian failed to provide any such notice.

Remedy : The law requires the information to be permanently deleted if the reinsertion protocol is not followed. 

XXXX. Failure to Provide Method of Verification Citation : 15 U.S.C. 1681i ( a ) ( XXXX ) ( B ) ( XXXX ) I submitted a method of verification request on XX/XX/XXXX through the CFPB complaint system, asking for : Documentation proving account ownership, Payment records showing late payments, Names and contact details of any individuals or departments Experian communicated with during their investigation. 

As of this writing, no documentation or information has been provided, violating my rights under the FCRA. 

XXXX. Duty to Block Fraudulent Information Upon Notice of Identity Theft Citation : 15 U.

S.C. 1681c-2 ( a ) Once a consumer provides proper notice of identity theft, the credit bureau must block the reporting of the disputed item within 4 business days.

Despite my repeated notices and supporting documentation, Experian has failed to block this fraudulent account.

4. Use of Automated Verification Systems ( e-OSCAR ) in Place of a Reasonable Investigation The FCRA requires that consumer reporting agencies conduct a reasonable investigation of disputed information and may not rely solely on automated systems such as e-OSCAR. 

Citation : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires a reasonable reinvestigation. 

In XXXX XXXX TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ), the court held that a CRA can not merely parrot information from the furnisher of data, and must make an independent effort to verify its accuracy. 

Experian 's use of e-OSCAR alone, without responding to my specific documentation and without providing any verification, constitutes an unlawful failure to reasonably investigate under the law. 

Summary of Relief Sought Due to these violations, I respectfully request the following : That the CFPB and FTC initiate a formal investigation into Experians conduct. 

That Experian be compelled to permanently delete and block the XXXX XXXX account from my credit report. 

That Experian be held accountable for violating my rights under the FCRA. 



If these violations are not resolved immediately, I will pursue legal action against Experian. I am prepared to submit additional documentation, including copies of my previous CFPB complaints and Experians failure to respond appropriately. 

Thank you for your time and attention. 

Sincerely, 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