Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Dear CFPB Team, This is a formal follow-up to my ongoing complaints against Experian ( Complaint Numbers : XXXX and XXXX ). Despite multiple submissions of extensive documentation, including FTC Identity Theft Reports and deletion letters from the original creditors, Experian continues to demonstrate a pattern of malicious non-compliance and intentional misrepresentation. Their actions reflect clear violations of the Fair Credit Reporting Act ( FCRA ) and FTC identity theft protections. 

Key Issues Highlighting Experians Malicious Intent : 1. False Certification Claims by Experian : Experian has repeatedly asserted that the disputed accounts have been certified as accurate by the original creditors. This is a blatantly false claim. The original creditors have already deleted the accounts, acknowledging their fraudulent nature after thorough reviews. I did not request certification ; I requested transaction histories and account-opening documents. The fact that Experian is using false certification claims demonstrates their intent to mislead both me and the CFPB. 



2. Failure to Provide Legally Required Documentation : Despite numerous requests, Experian has failed to provide the transaction histories and account-opening documents necessary to substantiate the legitimacy of these accounts. I am fully aware that these documents will not be provided, as the creditors themselves have already chosen to delete the accounts rather than conduct a further in-depth investigation. Experians refusal to act on this and their continued reporting of these fraudulent accounts shows a clear lack of transparency and a deliberate attempt to evade responsibility. 



3. Experians Continued Violation of Identity Theft Protections : Under the FCRA and FTC identity theft protections, Experian is obligated to block or delete accounts proven to be fraudulent. I have provided FTC Identity Theft Reports, deletion letters from creditors, and proof of identity, yet Experian has continued to act in bad faith by refusing to delete these accounts. This ongoing refusal represents a clear failure to comply with federal law and demonstrates malicious intent in their handling of my case. 



4. Intentional Misrepresentation and Delay Tactics : Experians continued use of false certification claims, combined with their failure to act on the identity theft documentation and creditor deletion letters I have submitted, clearly indicates an effort to delay and mislead. This behavior is not just negligent ; it is intentional and systemic. Even if Experian ultimately deletes the accounts, their lack of transparency, dishonesty, and repeated misrepresentation raise serious concerns about their compliance with consumer protection laws and warrant immediate investigation.

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