Consumer complaint received 2025-01-08 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: MI

Complaint narrative:
Subject : Complaint Against Experian for Non-Compliance with FCRA and Mishandling of Identity Theft Claims To : Consumer Financial Protection Bureau Summary of Complaint : Experian has repeatedly failed to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to remove fraudulent accounts from my credit report, despite my submission of all legally required documentation. Their inaction has caused substantial financial and emotional distress. 
Key Issues : 1. Refusal to Accept Valid Documentation : * Experian has rejected my FTC Identity Theft Report, police report, and proof of identity without valid justification. 
2. Failure to Remove Fraudulent Items ( Incorrect Verification ) : * XXXX XXXX ( {$17000.00}, charged off ) - Experian falsely claims this account is certified despite no original agreement or signed document being provided. 
* XXXX XXXX XXXXXXXX XXXX ( {$5100.00}, charged off )- Experian has refused to provide any valid verification method. 
* XXXX XXXX ( Multiple Accounts ) ( {$810.00} and {$280.00}, charged off ) - No proof of liability has been presented. 
* Unauthorized inquiries - No proof of permissible purpose provided. 
* Incorrect contact information ( addresses and phone numbers ) 3. Failure to Provide Method of Verification : * Experian has not provided proof of how these accounts were verified as mine. 
4. Compromised Personal Information : * My name, Social Security number, and other personal details have been exposed in multiple data breaches and found on the dark web, making me a prime target for identity theft. 
Applicable Laws Violated : 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires Experian to block fraudulent accounts upon receipt of an identity theft report. 
2. FCRA 611 ( 15 U.S.C. 1681i ) : Mandates a reasonable reinvestigation and deletion of unverifiable items. 
3. FCRA 609 ( 15 U.S.C. 1681g ) : Grants me the right to request and receive verification documents for disputed accounts. 
Harm Caused : * Financial Damages : Denial of credit, higher interest rates, and loss of financial opportunities. 
* Emotional Distress : Stress, frustration, and unnecessary prolonged disputes. 
* Increased Risk of Fraud : Due to my personal information being compromised in data breaches. 
* Time & Resources Wasted : Repeatedly submitting documentation only to be ignored. 
Resolution Demanded : 1. Immediate and Permanent Removal of Fraudulent Items listed above. 
2. Deletion of All Unauthorized Inquiries. 
3. Correction of My Contact Information. 
4. Monetary Compensation of {$15000.00} for damages caused by XXXX negligence. 
5. Full Compliance with FCRA Regulations. 
Supporting Documents : * FTC Identity Theft Report * Police Report * Proof of Identity ( Drivers License, Social Security Card, Utility Bill ) * Correspondence with Experian * Highlighted Credit Report with Disputed Items * Proof of Data Breach and Dark Web Exposure Conclusion : Experians failure to comply with federal law is unacceptable, and their refusal to act on legitimate identity theft claims has caused severe financial harm. I request that the CFPB investigate these violations and enforce penalties against Experian. 
Thank you for your prompt attention to this matter. 
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