Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am submitting this summary to explain the problems I am having with my Experian credit report and to show how each issue is supported under the Fair Credit Reporting Act ( FCRA ). Everything I am disputing falls into three main categories : identity theft, inaccurate personal information, and account-level reporting errors. 

Identity Theft and Fraudulent Inquiries ( FCRA 605B ) After the XX/XX/year>XXXX  XXXX  data breach, my personal information was exposed, and I started seeing credit inquiries on my Experian report that I never authorized. Because these inquiries were created through identity theft, I sent Experian a formal FCRA 605B identity-theft block request, along with my FTC Identity Theft Report, government ID, and proof of address. 

Even though the law requires Experian to block and delete fraudulent inquiries within four business days, these inquiries are still on my report. I did not apply for credit with any of the companies that pulled my report, and I want them removed because they are the result of identity theft.

Incorrect or Unverifiable Personal Information ( 15 U.S.C. 1681e ( b ) ) I also disputed several items of personal information that Experian is reporting even though they are wrong, outdated, or do not belong to me at all. This includes : An address where I have never lived Two name variations that are not my name An employer I never worked for I gave Experian all the documents needed to verify my real information, but these incorrect items are still on my file. Under 1681e ( b ), Experian is supposed to use procedures that ensure maximum possible accuracy, which means these incorrect items should be deleted.

Accounts and Late Payments Experian Failed to Correct After 45 Days ( 15 U.S.C. 1681e ( b ) ) I also disputed several accounts and late-payment histories that Experian is reporting inaccurately. Many of these accounts show : Wrong dates Conflicting information Payment histories that do not match between CRAs Late payments that are not accurate Information that Experian has not verified I sent my initial dispute but the inaccurate information remains unchanged. Under the FCRA, if Experian can not verify that the information is accurate, then they must delete it. Instead, they have continued reporting it with the same errors. 

Overall Summary In total, my Experian report still contains : Fraudulent inquiries linked to identity theft Incorrect personal identifying information Unverified, inconsistent, and inaccurate account-level data I have already submitted everything Experian needs to fix these issues, but they have not taken the actions required under the FCRA. I am asking for all inaccurate, fraudulent, or unverifiable information to be deleted or corrected, and for Experian to provide a proper updated credit report once these issues are resolved.

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