Consumer complaint received 2025-07-22 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Experian XXXX  XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate and Illegally Maintained Items on Credit Report To Whom It XXXX Concern : I am formally disputing the negative items listed on my credit report. These accounts are either inaccurate, unverifiable, improperly reinserted, or reported without lawful investigation. I have been impacted by XXXX violation of federal credit reporting laws, as highlighted in the CFPBs lawsuit dated XX/XX/XXXX. 

I am a victim of malpractice and broken laws. I have been affected by Experians data handling failures and their violation of the Fair Credit Reporting Act and Consumer Financial Protection Act. I demand these accounts and inquiries be removed immediately. 

My credit file includes an active fraud alert, as documented in the personal statement section of my credit report. Despite this, Experian has allowed the reporting of several recently opened auto loan accounts without verifying my identity as required by federal law. 

These accounts are now being reported under my name with high balances, and they were not authorized nor properly validated. This is a clear violation of your responsibilities under XXXX XXXX. XXXX ( h ), which requires a credit bureau XXXX XXXX reasonable steps to verify identity before including new credit XXXX XXXX XXXX fraud alert is present. 

Accounts to Be Deleted # Account Name Creditor Balance Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following laws have been violated in the handling and reinsertion of inaccurate information on my Experian credit report : XXXX. Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX ( a ) : Failure to conduct a reasonable investigation of disputed information. 
XXXX XXXX. XXXX ( a ) ( XXXX ) : Failure to forward all relevant information to data furnishers. 
XXXX XXXX. XXXX ( a ) ( XXXX ) : Improper reinsertion of previously deleted data without notice. 
XXXX XXXX. XXXX ( a ) ( XXXX ) : Failure to provide consumers with clear and accurate results of disputes. 
XXXX XXXX. XXXX ( b ) : Failure to ensure maximum possible accuracy of consumer reports. 

XXXX. XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX. XXXX & XXXX : Engaging in unfair, deceptive, or abusive acts or practices ( XXXX ) in handling consumer financial data. 


I am requesting the immediate removal of these accounts based on the following : You have failed to conduct a proper investigation under XXXX XXXX. XXXX ( a ). 
You have failed to notify me of investigation results in a clear and accurate manner under XXXX XXXX. XXXX ( a ) ( XXXX ). 
You have improperly reinserted deleted information in violation of XXXX XXXX. XXXX ( a ) ( XXXX ). 
Your actions constitute unfair practices as defined under XXXX XXXX. XXXX & XXXX. 


Please provide me with a full reinvestigation, proper documentation as required by XXXX XXXX. XXXX, and notify me in writing of the results. If the information can not be verified or was previously removed and improperly reinserted, it must be deleted immediately. 

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