Consumer complaint received 2025-12-24 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: WA

Complaint narrative:
This submission supplements my existing CFPB complaints and documents a pattern of willful noncompliance by Experian involving identity theft accounts. 

I am a documented victim of identity theft and have submitted a valid FTC/FCRA Identity Theft Report, along with all required supporting documentation. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), Experian is legally required to block reporting of all identity theftrelated accounts, not investigate or validate them. 

I have never once requested validation, verification, or reinvestigation of these accounts. I have only demanded permanent deletion and blocking from reinsertion, as required by law. 

Despite this, Experian has repeatedly : Verified identity theft accounts instead of blocking them Reinserted previously deleted accounts without lawful certification or notice Continued reporting after regulatory notice Experian has now improperly reinserted multiple identity theft accounts from different furnishers, including XXXX followed by XXXXXXXX XXXXXXXX, despite existing CFPB and State Attorney General complaints already on file. 

Each reinsertion occurred without providing the mandatory written notice within five ( 5 ) business days, in violation of FCRA 611 ( a ) ( 5 ) ( B ). 

The XXXX XXXX tradeline currently contains material inaccuracies, including repeated Invalid date entries and inconsistent reporting comments, rendering it unverifiable and in violation of FCRA 607 ( b ) and 611 ( a ). 

I have now filed more than five ( 5 ) CFPB complaints because Experian continues to illegally validate identity theft accounts instead of blocking them, in direct violation of FCRA 605B. 

Because Experian has continued this conduct after repeated notice, involving multiple furnishers and multiple regulatory complaints, this behavior constitutes a pattern of willful noncompliance, not a good-faith error. 



NOTICE OF INTENT TO SUE Experian is hereby placed on notice that any continued validation, reinsertion, or reporting of identity theft accounts, or failure to permanently delete and block them, will result in legal action without further notice. 

This notice is provided in good faith to allow Experian a final opportunity to cure these violations prior to litigation. 



Fair Resolution Requested Immediate and permanent deletion of all identity theftrelated tradelines, including XXXX and XXXX XXXXXXXX Permanent block against reinsertion pursuant to FCRA 605B Written confirmation that Experian will cease all validation and reinvestigation of identity theft accounts Disclosure of any alleged certification relied upon for reinsertion, including the identity of the certifying party and date of certification Additional Context for CFPB Review Valid FTC/FCRA Identity Theft Report submitted No validation or investigation ever requested Multiple CFPB complaints already on file documenting the same misconduct Improper reinsertion across multiple furnishers No reinsertion notices provided Inaccurate and broken metadata remains Ongoing consumer harm

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