Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX Experian Information Solutions , XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Re : Dispute of Inaccurate Credit Report Information Victim of the Experian data breach Report Number XXXX To Whom It May Concern : I am writing to dispute inaccurate information on my Experian credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), 5564, 5565. 
I am also a victim of the Experian data breach, which exposed sensitive personal information and may have resulted in unauthorized accounts appearing on my credit report. As a result, I request that the following information be removed and deleted immediately from my report as inaccurate or fraudulent delete and remove from credit report. 
Therefore, I am requesting that the following information be permanently deleted, I am victim of the Experian data breach from my credit file if it can not be confirmed as accurate and authorized : Names : 1.XXXX NameID # XXXX data that do not belong to you permanently delete and remove from credit file. victim of the Experian data breach 2.XXXX XXXXXXXX XXXX ID # XXXX data that do not belong to you permanently delete and remove from credit file. victim of the Experian data breach 3.XXXX XXXX XXXXXXXX XXXX ID # XXXX data that do not belong to you permanently delete and remove from credit file. victim of the Experian data breach Addresses : 1. XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX Address ID # XXXX Single family data that do not belong to you permanently delete and remove from credit file. victim of the Experian data breach 2. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA, XXXX XXXX Address ID # XXXX Single family data that do not belong to you permanently delete and remove from credit file. victim of the Experian data breach 3.XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA, XXXX XXXX Address ID # XXXX Multifamily data that do not belong to you permanently delete and remove from credit file. victim of the Experian data breach Account : 1. Account/Furnisher : U.S. DEPARTMENT OF EDUCATION Account XXXX Inaccuracy : data that do not belong to you permanently delete and remove from credit file. victim of the Experian data breach Phone Numbers : XXXX. ( XXXX ) XXXX XXXX Inaccuracy : data that do not belong to you permanently delete and remove from credit file. victim of the Experian data breach. 
Hard inquiries : 1.XXXX XXXX Inquired on XX/XX/XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
permanently delete and remove from credit file. victim of the Experian data breach 2.XXXXXXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX DE, XXXX Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
permanently delete and remove from credit file. victim of the Experian data breach 3. XXXX XXXX : inquiry date XX/XX/XXXX permanently delete and remove from credit file. victim of the identity theft victim of the Experian data breach 4.XXXXXXXX XXXX XXXXXXXX permanently delete and remove from credit file. victim of the identity theft victim of the Experian data breach inquiry date XX/XX/XXXX Connection to CFPB Lawsuit Against Experian The CFPB filed a complaint against Experian on XX/XX/XXXX ( Case No. XXXX ), alleging violations of the FCRA and CFPA, including : 1. Failing to conduct meaningful reinvestigations of consumer disputes. 
2. Failing to forward all relevant information to furnishers. 
3. Re-inserting previously deleted inaccurate information. 
4. Failing to notify consumers properly of dispute outcomes. 
The issues I am experiencing mirror the CFPBs allegations : my previous disputes have not resulted in correction or deletion of inaccurate or fraudulent accounts. 
Requested Action Under FCRA 1681i, I request that Experian : 1. Conduct a complete and proper reinvestigation of the disputed items. 
2. Delete all inaccurate or fraudulent information related to the Experian data breach. 
3. Provide written notification of the results of the reinvestigation. 
4. Provide a free copy of my updated credit report after corrections. 
Supporting Documentation Enclosed are copies of relevant supporting documents : CFPB Lawsuit This dispute Letter Credit report Conclusion Experian is legally obligated under the FCRA and CFPA to correct or remove inaccurate information from my credit report. I request prompt correction and removal of all items listed above. If these items are not properly removed, I reserve the right to escalate this matter, including filing a complaint with the CFPB. 
Sincerely, XXXX XXXX

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