Consumer complaint received 2025-06-26 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: PA

Complaint narrative:
This complaint is not about a dispute its about corporate fraud and refusal to comply with the Fair Credit Reporting Act. In early XXXX, I discovered that my Experian credit file was corrupted with 22 names and 7 different Social Security numbers. I submitted my legal identification and proof of address via certified mail, which was received and signed for on XX/XX/year>. Despite this, Experian failed to correct my file. Instead, they filed unauthorized disputes in my name and continued reporting unverifiable data. 

Experian never mailed a proper response. They updated certain names without deleting the corrupted data, which shows a deliberate effort to keep the associated accounts active. I never filed any disputes during this period, yet I began receiving alerts for dispute results I did not initiate and these results were unavailable online. This fraudulent activity has been consistent, ongoing, and deeply harmful. 

Experians misconduct directly undermines their own CFPB response under Ref # XXXX, where they admit they do not verify data but rely on furnishers. That admission alone defeats their good faith and time-barred defenses in the pending lawsuit. The law requires accurate reporting under FCRA 611 and 1681e ( b ). A credit file containing 22 names and 7 Social Security numbers is not accurate by any standard.

the file has been so corrupted it is legally and factually unclear. Experian was given the opportunity to correct the file based on proper ID. They chose not to. XXXX  deleted the same data when contacted by the same furnishers that alone proves Experian is acting in bad faith. 

In violation of FCRA 604 and 1681b, Experian inserted a private phone number onto my credit file without my consent. This number does not belong to any tradeline I opened, nor was it provided by me. Following this insertion, I began receiving phone calls addressed to one of the 22 false identities on my report. This demonstrates Experian is associating consumer contact information with fraudulent identities and furnishing that information without verifying its accuracy or securing proper authorization.

This breach of privacy is ongoing and dangerous. My number is now compromised. I will be changing my phone number immediately due to the exposure and misuse. Experian has demonstrated no intent to protect consumer data, even after receiving certified identity documentation.

I am now submitting screenshots, mail receipts, and Experians own statements as evidence. This is not a credit dispute. This is a report of corporate misconduct, fraud, and systemic failure to comply with federal law. I am willing to testify and submit all evidence under oath.

Closing Declaration : As long as Experian is not held accountable, the misconduct will continue and so will the victims.

This company has shown no regard for federal law, no respect for consumer rights, and no interest in correcting known harm.

This is not a credit dispute. This is corporate fraud.

I request full regulatory review and enforcement action.

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