Consumer complaint received 2025-04-02 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: UT

Complaint narrative:
Experian Information Solutions , Inc . 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Urgent Dispute Immediate Removal of Fraudulent Inquiries & Accounts To Whom It May Concern, This is my second formal dispute regarding fraudulent inquiries and accounts on my Experian credit report. Despite my previous dispute and submission of identity theft documentation, Experian has failed to remove these unauthorized inquiries and negative accounts. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and federal consumer protection laws. 

Violation of Fair Credit Reporting Act ( FCRA ) Failure to Investigate & Remove Fraudulent Inquiries & Accounts Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is legally required to conduct a reasonable reinvestigation of disputed information. However, Experian has : Failed to remove unauthorized inquiries that I never approved. 
Failed to properly verify these fraudulent accounts as belonging to me. 
Failed to remove fraudulent accounts despite receiving police reports, affidavits, and other identity theft documentation.

Additionally, under 15 U.S.C. 1681c-2 ( a ), Experian must block fraudulent information upon receiving proof of identity theft. By refusing to remove these accounts and inquiries, Experian is violating its legal obligations. 

XXXX Has Already Removed These Fraudulent Accounts Proof Attached I have reviewed my credit reports with all three major credit bureaus ( Experian, XXXX, and XXXX ). XXXX has already removed these fraudulent accounts after determining they were unverifiable and inaccurateproof of this is attached. Yet, Experian continues to report them, which is a direct violation of 15 U.S.C. 1681e ( b ), requiring credit bureaus to maintain accurate and consistent records. 

Since XXXX has already confirmed these accounts were fraudulent and removed them, Experian has no valid justification for continuing to report them. This further proves these accounts were never mine and should be removed immediately. 

Legal Consequences of Non-Compliance If Experian does not immediately remove these fraudulent inquiries and accounts, I will escalate this matter further by : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) against Experian for FCRA violations.

Reporting Experians misconduct to my states consumer protection agency.

Pursuing legal action under 15 U.S.C. 1681n and 1681o, which entitle me to damages for Experians willful or negligent non-compliance with the law. 
Final Demand for Immediate Action Given Experians failure to comply with federal law and the fact that XXXX has already removed these fraudulent accounts, I demand the following immediate corrective actions : Remove all fraudulent inquiries from my Experian credit report immediately. 
Remove all fraudulent accounts, including charge-offs and collection accounts, from my Experian credit file. 
Provide written confirmation that these inquiries and accounts have been permanently deleted. 
Cease all future reporting of these accounts and inquiries to creditors or any third parties. 
This is my final notice. If these fraudulent inquiries and accounts are not removed within 15 days, I will proceed with formal complaints, regulatory reports, and legal action against Experian for non-compliance with federal and state laws. 

I expect a prompt resolution to this matter. Attached is proof that XXXX has already removed these fraudulent accounts. Please confirm in writing once the requested corrections have been made

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