Consumer complaint received 2025-07-08 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: CA

Complaint narrative:
My name is XXXX XXXX. Im a father, a hard-working man, and a victim of identity theft. What Im going through with Experian is not only unfair its unlawful, exhausting, and emotionally damaging. 

Ive done everything Im supposed to do to prove Im a victim. I filed a police report with the XXXX Police Department ( Report # XXXX ). I submitted an FTC Identity Theft Report ( # XXXX ). I prepared and notarized a sworn Affidavit of Truth in XX/XX/XXXX. I provided a copy of my government-issued ID and proof of my current address. I sent all of this via certified mail. Experian received it. 

And yet even after all of that Experian continues to verify and report fraudulent accounts and addresses on my credit report. 

Some of these accounts were previously deleted after earlier disputes. But Experian illegally reinserted them without giving me the legally required 5-day written notice, violating FCRA 1681i ( a ) ( 5 ) ( B ). I didnt even know they were back on my report until the damage was already done.

Ive made multiple formal requests for Method of Verification ( MOV ) under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). I asked for the name of the entity that verified the accounts, what system or platform was used ( like e-OSCAR ), and what documents were relied on during the reinvestigation. Ive never received any of it.

Not once has Experian provided a contract, an application, or any documentation showing I opened or benefited from these accounts. Why? Because no such evidence exists. These accounts were opened through identity theft not by me.

And yet, Experian continues to respond with automated emails saying my disputes were verified. They are relying on computerized systems and generic denial templates, not human beings and not real investigations. It feels like theyre just clicking a button and moving on meanwhile, Im the one who cant move forward in life.

The harm is very real. Ive been denied housing. Ive been denied credit. Ive been told no to things Ive worked hard for all because of accounts I didnt open and addresses Ive never lived at. This experience has caused me deep stress, embarrassment, and emotional strain not only for me, but for my family. 

In XXXX, the CFPB filed a lawsuit against Experian for doing these exact same things to others : Failing to investigate disputes properly Verifying false information using automated tools like e-OSCAR Reinserting accounts without proper notice Misleading consumers into thinking their disputes were fairly reviewed when they were not Im living that same nightmare right now. Experian hasnt changed, and it shows. Everything the CFPB cited in that enforcement action is happening again to me.

Ive tried to work with Experian in good faith. Ive followed the law. Ive submitted every document, every affidavit, every report they needed. And still, Im being treated like Im the one whos done something wrong. This has severely damage relationships and my pursuit of happiness

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