Consumer complaint received 2025-08-07 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 sent a dispute to Experian on XX/XX/XXXX and asked for the method of verification for certain accounts theyve continued to report. Ive waited months, but they havent provided any explanationno breakdown of how they verified anything, no documents, and no details about who they contacted. XXXX still reporting these accounts with no proof of accuracy : XXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXXount # : XXXX Ive been asking them to show actual verificationsomething that proves the accounts are legitimately connected to me. That means original documents like a signed contract or application, not just a response from the furnisher saying its " verified. '' They havent shown any of that. 

Before they continue reporting anything on someones credit file, especially after a dispute, theyre supposed to confirm the information is accurate using real evidence, not assumptions. I already sent everything they needed : a copy of my ID, proof of address, my FTC Identity Theft Report, and more. Despite giving them all that, theyve ignored the documentation and still kept the accounts on my file without explanation. 

Im now seriously concerned that my personal information may have been used without my knowledge. How would I even know someone used my details to open something? Then I dispute it, and Experian just marks it as verified without showing anything. Thats why Im saying this is turning into identity theftbecause I never gave permission for any of this, and Ive already submitted all the proof tied to me, not someone else. 

Separate Issue : Reinserted Account XXXX XXXX Account # : XXXX This account was deleted after a previous dispute but suddenly showed up again on my credit file. Experian never sent me a notice about the reinsertion, and they didnt provide any certification from the furnisher confirming that the information was accurate before putting it back. 

According to the law, when an account is reinserted, the bureau is supposed to : Get a certification from the furnisher confirming the accuracy Notify the consumer in writing within XXXX business days Provide the name, address, and phone number of the furnisher Let the consumer add a statement of dispute Experian didnt do any of that. The account was just put back into my report with no warning and no explanation. Thats a direct violation of their legal responsibilities. 

What XXXX Asking For : Remove the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX accounts from my credit file Provide a full breakdown of how each account was verified Include copies of any documentation used during the verification ( e.g., signed application or contract ) Respect and honor the identity-related documents I already submitted Send me an updated credit report with the corrections Ive waited XXXX enough and done everything XXXX supposed to do. Experian needs to follow the law and stop reporting accounts without proper verification.

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