Consumer complaint received 2025-03-10 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: NV

Complaint narrative:
Subject : Complaint Regarding Deceptive Practices by Experian and Violation of the Fair Credit Reporting Act ( FCRA ) Dear Sir or Madam ( CFPB ), I am writing to file a formal complaint against Experian for engaging in deceptive practices and violating the Fair Credit Reporting Act ( FCRA ). I have been experiencing ongoing issues with fraudulent information being reported on my credit report due to identity theft, and despite providing appropriate documentation, including a police report, Experian has repeatedly reinserted the fraudulent accounts, often without explanation or proper investigation. 

Here are the details of my case : Identity Theft Incident : I am a victim of identity theft, and the suspect responsible has been arrested and charged for the crime. I reported the theft to the police, and an open investigation was initiated. I submitted a police report, along with supporting documents, to Experian to prove the fraudulent activity and to request the removal of the associated accounts from my credit report. 

Experians Actions : After my initial dispute, Experian removed the fraudulent accounts from my credit report, which I appreciated. However, after a few weeks, Experian reinserts the fraudulent accounts, despite clear evidence of the fraud and the suspects arrest. When I contacted Experian, they failed to provide any information about the reason for the reinsertion or any details from the data furnisher ( the company reporting the fraudulent information ). 

Repeated Reinsertion : This pattern of reinserting the fraudulent accounts has occurred multiple times. In addition, the data furnishers have altered account numbers, and Experian has continued to honor their requests, further violating my rights under the FCRA. 

Failure to Investigate : Experian has not conducted a meaningful investigation into the fraudulent accounts, as required by the FCRA. They have continued to reinsert inaccurate and fraudulent information without providing any explanation or taking corrective action.

I believe that Experians actions are not only deceptive but also in violation of the FCRA, specifically Section 1681i, which mandates that credit reporting agencies conduct a reasonable investigation into disputes and correct any inaccuracies in a timely manner.

As a result of these repeated issues, my credit has been negatively impacted, causing significant stress and harm. I am requesting that the Consumer Financial Protection Bureau intervene in this matter and hold Experian accountable for their repeated violations of my rights under the FCRA. 

I would appreciate your prompt attention to this complaint and any assistance you can provide in resolving this matter. I am available to provide additional information or documentation as needed. 

Thank you for your time and consideration.

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