Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
Experian has failed to block and remove three fraudulent accounts from my credit report despite six disputes filed between XX/XX/XXXX, and XX/XX/XXXX, including CFPB Case # XXXX. As a victim of identity theft, I submitted my FTC Identity Theft Report ( # XXXX ), government-issued ID, proof of address, and Experian credit reports, yet the accounts remain active as of XX/XX/XXXX, violating the Fair Credit Reporting Act ( FCRA ) and Florida Statutes XXXX ( FDUTPA ). This inaction harms my credit score, financial opportunities, and emotional well-being. I demand immediate removal of the accounts, cessation of reporting, and regulatory enforcement. 

Fraudulent Accounts in Dispute : XXXXXXXX XXXX Account Number : XXXX Fraudulent Amount : {$2500.00} XXXXXXXX XXXX  Account Number : XXXX Fraudulent Amount : {$8600.00} XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Fraudulent Amount : {$4700.00} Legal Violations by Experian : Experians failure to act constitutes willful and negligent noncompliance with : FCRA 1681c-2 ( a ) : Requires blocking fraudulent accounts within 4 business days of receiving an identity theft report. I submitted my FTC Identity Theft Report on XX/XX/XXXX, and repeatedly thereafter, but the accounts remain. 

FCRA 1681i ( a ) : Mandates a reasonable investigation and correction within 30 days of a dispute. Experian has not investigated or removed these accounts.

FCRA 1681e ( b ) : Requires maximum accuracy in consumer reports. Reporting these fraudulent accounts violates this statute.

Florida FDUTPA ( 501.2077 ) : Prohibits deceptive practices, including failure to correct fraudulent information after consumer notification. 

Case Law : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ), and XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) hold credit bureaus liable for failing to address identity theft disputes. 

Any creditor verification of these accounts is invalid, as they are fraudulent, and Experian must independently verify their accuracy per FCRA 1681i ( a ).

Dispute History : I have made exhaustive efforts to resolve this matter through the following disputes, each including my FTC Identity Theft Report, Florida Drivers License ( XXXX ), Social Security Card ( Last 4 : XXXX ), proof of address, and Experian credit reports : XX/XX/XXXX : CFPB Case # XXXX XX/XX/XXXX : CFPB Case # XXXX XX/XX/XXXX : CFPB Case # XXXX XX/XX/XXXX : CFPB Cases # XXXX, # XXXX XX/XX/XXXX : CFPB Case # XXXX Experians continued failure to act, even after my most recent CFPB complaint on XX/XX/XXXX, violates federal and state law and necessitates CFPB intervention. 

Impact of Noncompliance : The presence of these fraudulent accounts has : Lowered my credit score, restricting access to fair credit and loans.

Caused financial harm through lost opportunities.

Inflicted emotional distress due to prolonged identity theft issues.

Requested Actions : I request that the CFPB : Order Experian to immediately block and permanently remove the listed fraudulent accounts per FCRA 1681c-2 ( a ).

Direct Experian to cease reporting these accounts to third parties. 

Require Experian to provide written confirmation of removal by XX/XX/XXXX. 

Compel Experian to furnish documentation of their investigation, including creditor communications, per FCRA 1681i ( a ).

Investigate Experians systemic failure to handle identity theft disputes and enforce compliance with FCRA and FDUTPA.

Provide a complaint ID and confirmation of receipt within 24 hours.

Consequences of Continued Noncompliance : If Experian does not comply by XX/XX/XXXX, I will : File additional complaints with the CFPB, FTC, and Florida Attorney General. 

Initiate a lawsuit under FCRA XXXX and XXXX for statutory ( $ XXXX {$1000.00} per violation ), actual, and punitive damages, plus attorneys fees, and under FDUTPA for injunctive relief.

Seek discovery of Experians investigation records to prove noncompliance.

Supporting Documentation ( Attached as PDF ) : Dispute Letter ( XX/XX/XXXX ) FTC Identity Theft Report ( # XXXX ) Florida Drivers License ( XXXX ) Social Security Card ( Last 4 : XXXX ) Proof of Address ( Peoples Gas bill, XX/XX/XXXX ) Experian Credit Report ( XX/XX/XXXX, showing fraudulent accounts ) Final Statement : Experians refusal to act on six CFPB complaints and clear evidence of identity theft is a blatant violation of law. I urge the CFPB to enforce immediate compliance and protect my consumer rights. My attempts to submit this dispute via Experians website were rejected, necessitating this filing. Please expedite this matter to prevent further harm.

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