Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
I am filing this complaint against Experian, but this report should be viewed in the broader context of widespread credit reporting failures across all bureausmajor and minorfollowing known data breaches and identity theft incidents. 

Between XXXX and XXXX, Experian flagged my Social Security number and personal information as exposed on the dark web, yet failed to act on my written disputes regarding : Inaccurate personal information ( addresses and name variants ) 15+ hard inquiries not shown on XXXX XXXX XXXX Accounts linked to identity theft or unverified lenders I submitted a formal FTC Identity Theft Report on XX/XX/XXXX ( Ref # : XXXX ). 

Credit damage from this negligence has resulted in multiple loan denials, loss of housing access, and financial instability. Other bureausXXXX and XXXXhave fewer inquiries and more accurate data. However, Experian 's system is actively undermining my credit and my life. 

I request immediate correction of my credit file and suppression of identity theft-related entries. I also request that this case trigger a broader investigation into Experian 's failure to honor consumer protection obligations under the Fair Credit Reporting Act ( FCRA ) and FACTA Identity Theft Red Flag Rules. 

What Do You Want Experian to Do? 

Remove all inaccurate personal information and inquiries tied to theft or unverified sources Apply all relevant fraud protections ( freeze, block, flag, etc. ) Cooperate with the FTC Identity Theft Report Provide confirmation of full investigation and actions taken XXXX and XXXX, I discovered that my personal informationincluding my Social Security numberwas exposed on the dark web. This was confirmed by Experians own identity monitoring alerts. I took several actions to correct my report and protect my credit, but Experian failed to adequately respond to any of them.\n\nHere is a timeline of actions I took : \n\n- XXXX : I began noticing abnormal credit activity and false address data on my Experian report.\n- XXXX XXXX : I initiated disputes with Ascend Federal Credit Union related to false late payments and suspicious routing/account behavior.\n- XXXX XXXX I began cleaning up multiple incorrect addresses and aliases that only appeared on Experiannot XXXX XXXX XXXX Late XXXX Early XXXX : I contacted Experian by phone and submitted corrections through their website. No meaningful changes were made.\n- XXXX XXXX : I filed a dispute involving XXXX, related to a defective product and possible account fraud. A new card was issued.\n- XX/XX/XXXX XX/XX/XXXX : XXXX Bank assessed me {$600.00} in overdraft fees and closed my account on XX/XX/XXXX, without explanation. I believe this may relate to identity misuse.\n- XX/XX/XXXX : I attempted to follow up with Experian by phone again, but was dismissed.\n- XX/XX/XXXX : I filed a formal FTC Identity Theft Report ( Ref # : XXXX ) detailing the dark web exposure, stolen data, and uncorrected errors.\n\nDespite these efforts, Experian has failed to : \n- Investigate the disputes meaningfully\n- Suppress or block identity theft-related entries\n- Remove inaccurate addresses, name variants, and inquiries ( 15+ not reflected on other reports ) \n\nI request immediate FCRA enforcement and a complete review of Experians handling of my identity theft-related case.

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