Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
This statement is to document the continued and unlawful mishandling of my credit profile by Experian, which has caused me repeated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite my efforts to resolve the numerous inaccuracies on my credit report, Experian has failed to perform a lawful, timely, or meaningful investigation as required under the Fair Credit Reporting Act ( FCRA ). 

Issues : Failure to XXXX a Reasonable Investigation ( FCRA XXXX ( a ) ) Experian has repeatedly stated that it " verified '' disputed accounts without producing any evidence of such verification. There is no indication that a human review was performed. Each time I submit disputes, Experian restarts the process by claiming I need to " verify my identity '' despite my having submitted : My valid government-issued Drivers License XXXX Social Security XXXX XXXX recent utility bill in my name and address I have submitted these multiple times. Experians continual rejection of this documentation appears to be a tactic to reset the XXXX investigation period, which violates the intent of the law. Under FCRA XXXX ( a ) ( XXXX ) ( A ), the credit bureau must complete an investigation within XXXX days of receiving a dispute, unless there is insufficient information, which there is not, in this case. 

Re-reporting and Insertion of Unverified Accounts Experian continues to report or reinsert inaccurate tradelines, including : XXXX XXXX with a {$550.00} tradeline that I never opened or authorized. 

A second XXXX XXXX account with a {$300.00} limit inflated to over {$1000.00}, which is a misrepresentation and does not reflect any account I was responsible for. 

XXXX XXXX XXXX, which has never supplied a valid debt validation letter, nor a copy of the original signed agreement or forward flow contract, required to establish they own or can collect on the alleged debt. 

XXXX XXXX which has not responded to any written requests for validation and continues to ignore lawful communications under FCRA XXXX. 

XXXX XXXX, which is outdated, inaccurate, and unverifiable. 

An XXXX XXXX account that I never applied for, never authorized, and was never responsible for. 

These tradelines are causing irreparable XXXX  to my creditworthiness, and Experian XXXX  continued reporting of them after XXXX days of my dispute constitutes a clear violation of FCRA XXXX ( a ) ( XXXX ). 

False Identity Theft XXXX Experian has also falsely flagged my account with a statement that I am a victim of identity theft, which I never claimed. This is XXXX by implication and can mislead creditors and other entities pulling my report. 

Inaccurate Names and Personal Information ( FCRA XXXX ( b ) ) The names on my report include multiple incorrect variations. The only correct and legal name that should appear is : XXXX XXXX XXXX Any other variation is wrong and misleading. Likewise, Experian has included numerous addresses that do not belong to me and have no lawful basis for being associated with my credit file. Also listed is a " variation '' of my Social Security XXXX, which is false. I have only XXXX valid XXXX, which has been submitted to Experian repeatedly. 

Failure to Respond Properly to Written Requests Several of the furnishers ( like XXXX XXXX XXXX XXXX XXXX ) have failed to respond to written disputes, and Experian has taken no steps to ensure proper investigation under FCRA XXXX ( b ), which requires a furnisher to investigate disputes forwarded by a credit bureau XXXX 

Legal Violations Involved : FCRA XXXX ( a ) Failure to perform a reasonable reinvestigation. 

FCRA XXXX ( a ) ( XXXX ) Failure to delete or correct information that is inaccurate or unverifiable. 

FCRA XXXX ( b ) Failure to maintain maximum possible accuracy of information. 

FCRA XXXX and XXXX Failure to provide disclosures and verify the consumer 's identity using provided documentation. 

FCRA XXXX ( b ) Failure of furnishers to investigate disputes forwarded by the credit bureau XXXX 

FCRA XXXX and XXXX Liability for willful or negligent noncompliance. 

Demand for Resolution : I am demanding that Experian take the following immediate corrective actions : Permanently delete the inaccurate and unverifiable tradelines from : XXXX XXXX ( both accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( unauthorized ) Remove all incorrect names, leaving only XXXX XXXX XXXX. 

Remove all incorrect and outdated addresses not linked to my verified residence. 

Correct or remove any false Social Security XXXX variations. 

Delete the false identity theft statement, which was never authorized. 

Provide a corrected copy of my credit report and confirmation of these actions. 

Issue a written apology and explanation of XXXX failures to comply with the FCRA. 

If Experian does not comply, I am prepared to file further formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Office of the Attorney General, and take legal action for XXXX  as allowed under FCRA XXXX and XXXX. 

Sincerely, XXXX 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