Consumer complaint received 2025-03-18 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: IA

Complaint narrative:
Since XXXX, I have been consistently disputing fraudulent, inaccurate, and unverifiable items on my credit report. These issues stem from identity theft resulting from a data breach. Despite my persistent efforts, the companies involved have failed to take corrective action within the legally required timeframes, leaving these fraudulent items on my credit report and causing ongoing financial harm. 

Timeline of Actions Taken : 1. Initial Dispute ( 2015 ) I began sending formal dispute letters to Experian, identifying multiple fraudulent charge-offs, collections, and late payments that were the result of identity theft. I provided all necessary documentation and requested the immediate removal of these items under 15 U.S.C. 1681c-2 ( FCRA 605B ).

2. Ongoing Disputes ( XXXX ) Over the past XXXX years, I have submitted repeated disputes to Experian, along with supporting documentation, including : Identity theft reports Police reports Proof of my correct personal information Affidavits confirming my identity and non-liability for the fraudulent accounts 3. Noncompliance from Experian and Creditors ( XXXX ) Despite my repeated communications and legal right to have these items removed, Experian and the companies reporting these accounts have failed to take corrective action. They have either : Reinserted removed items without proper notification ( a direct violation of FCRA 1681s-2 ) Ignored my disputes without providing the required documentation Failed to remove fraudulent and unverified accounts within the legally mandated timeframe 4. Recent Formal Request for Immediate Removal ( XX/XX/XXXX ) I have once again formally demanded the immediate removal of all fraudulent and unverified items under FCRA 605B, which requires Experian to block and remove identity theft-related accounts within XXXX business days of receiving proper documentation. However, Experian and the involved creditors have refused to comply, leaving these damaging inaccuracies on my credit report. 

Actions Taken by the Companies Involved : Despite my consistent disputes and submission of over nine years worth of evidence, Experian and the relevant creditors have : Failed to conduct a reasonable investigation into my disputes ( a violation of 15 U.S.C. 1681i ) Continued reporting fraudulent and unverifiable accounts, despite being notified of identity theft Ignored the legal requirement to remove identity theft-related items within four business days under FCRA 605B TheXXXX ongoing violations have caused severe financial harm, preventing me from obtaining credit, housing, and other financial opportunities due to Experians continued failure to remove fraudulent items from my report.

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