Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
This complaint is a formal request for CFPB supervisory and enforcement action against Experian for willful and ongoing violations of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( FCRA 605B ), despite exhaustive compliance by the consumer and repeated CFPB escalation. 

Verified Timeline ( No Dispute of Facts ) : XX/XX/XXXX : I mailed Experian my government-issued photo ID, bank statements verifying address, and a handwritten statement identifying fraudulent accounts. 
XX/XX/XXXX : I submitted a valid FTC Identity Theft Report and again provided identity documentation. 
Under FCRA 605B, Experian was legally required to block all identity-theft-related accounts and inquiries within four ( 4 ) business days, no later than XX/XX/XXXX. 
Experian failed to comply and instead issued multiple stall letters, including statements asserting it could not verify my identity despite having my ID, financial records, and phone verification. 
I verified my identity by phone and resubmitted documentation multiple times. 
I filed CFPB complaints on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the last following a fifth stall letter. 
On XX/XX/XXXX, Experian emailed confirming no deletions were made, more than 30 days past the statutory deadline. 

These facts are not contested. 



Willful Statutory Violations Experians conduct constitutes willful noncompliance, not administrative delay, including : FCRA 605B violation : failure to block identity-theft information within four business days FCRA 611 violation : failure to conduct a lawful investigation FCRA 609 ( e ) violation : failure to properly process identity theft documentation Repeated issuance of stall letters after legal deadlines expired, indicating intent to delay rather than comply Experians conduct shows knowledge of the law and deliberate refusal to follow it. 



Disparate Impact and Procedural Inequity I am a XXXX XXXX. Experian is the only bureau that refused to comply despite receiving identical documentation that XXXX XXXX XXXX accepted without prolonged resistance. 

The pattern of : repeated rejection of mailed documentation heightened verification demands after phone confirmation prolonged noncompliance beyond statutory deadlines raises serious concerns of procedural disparity and discriminatory impact. I am not alleging intent ; I am requesting CFPB determination as to whether Experians identity theft practices are applied inconsistently in a manner that disproportionately burdens XXXX XXXX. 



Document Disregard and Internal Control Failure Experians repeated claims that it could not verify my identity despite possession of my ID, bank statements, handwritten attestations, and phone verification raise substantial concerns regarding : mishandling or disregard of mailed consumer documentation internal failures in identity theft intake controls systemic practices that obstruct consumer access to federally mandated protections These issues warrant supervisory review beyond individual remediation. 



Severe Consumer Harm ( Medical and Financial ) As a direct result of Experians refusal to comply with federal law : My FICO scores ( XXXX XXXX, XXXX XXXX, Auto, and industry models ) have declined to as low as XXXX I have been prevented from applying for medically necessary XXXX  XXXX  I have lost access to credit, housing, and financial opportunities The harm continues daily while Experian remains noncompliant This harm is ongoing and foreseeable. 



Public Interest I am submitting this complaint publicly to ensure transparency and to alert other consumers that prolonged identity-theft disputes may reflect systemic noncompliance rather than consumer error. Consumers should not be required to repeatedly prove their identity after full statutory compliance.

Request for CFPB Action I respectfully request that the CFPB : 1. Initiate supervisory enforcement review of Experians compliance with FCRA 605B 2. Require immediate blocking and permanent deletion of all identity-theft-related accounts, inquiries, and personal data 3. Review Experians document-handling and verification procedures 4. Assess whether Experians practices create disparate impact on protected classes 5. Take appropriate enforcement action if systemic violations are identified

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