Consumer complaint received 2025-03-10 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: CA

Complaint narrative:
I am submitting this complaint regarding Experians continued failure to properly investigate and remove an account that does not belong to me, as well as XXXX XXXX XXXX unlawful reporting practices. The inaccurate reporting of this account has significantly harmed my creditworthiness, and I am requesting immediate corrective action. 

Upon reviewing my credit report, I discovered that XXXX XXXX XXXX placed an account under my name without ever notifying me, as required by law. At no point did XXXX XXXX XXXX attempt to contact me via email, mail, or phone to inform me of the alleged debt or provide me with the opportunity to dispute the information before it was reported to Experian. This failure to provide proper notice and my right to dispute violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Despite my repeated disputes with both Experian and XXXX XXXX XXXX, neither has conducted a proper investigation or provided any of the following legally required documentation : A signed agreement or contract proving I own the account Proof of my identity linked to the alleged account Statements, billing records, or any supporting documentation demonstrating my responsibility for the debt Experian continues to report this account without proper verification, in clear violation of federal consumer protection laws. To resolve this matter fairly, I am requesting the following : 1. Immediate Deletion of the Erroneous Account Since neither Experian nor XXXX XXXX XXXX has provided valid proof that I am responsible for this debt, the account should be permanently removed from my credit report. 
2. Correction of Credit Score Impact The erroneous reporting of this account has damaged my credit score. I request that my score be corrected to reflect the removal of the account. 
3. Written Confirmation of Account Removal I request formal written confirmation from both Experian and XXXX XXXX XXXX stating that the account has been deleted and will not be reinserted unless valid documentation proving ownership of the debt is provided. 
4. Proper Investigation and Compliance Experian and XXXX XXXX XXXX should be required to fully comply with FCRA and FDCPA regulations by providing proper verification, including a signed agreement or proof of identity, before reporting any account in my name. 
5. Accountability for Illegal Reporting Since XXXX XXXX XXXX failed to provide the legally required notice before reporting the account, I request that the CFPB take enforcement action to ensure compliance and prevent similar violations in the future. 
6. Compensation for Damages ( if applicable ) If this erroneous reporting has resulted in financial harm, such as denied credit, higher interest rates, or emotional distress, I request appropriate compensation for the damages caused by their failure to comply with consumer protection laws. 
7. Stronger Compliance Measures I request that the CFPB ensure that Experian and XXXX XXXX XXXX improve their dispute resolution and notification processes to prevent such violations from occurring in the future. 

I trust that the CFPB will take the necessary action to enforce consumer protection laws and hold Experian and XXXX XXXX XXXX accountable for their unlawful reporting. I look forward to your prompt response and resolution of this matter.

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