Consumer complaint received 2025-10-20 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: MO

Complaint narrative:
CFPB Complaint Description XXXX XXXXXXXX XXXX  Experian Consumer Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX  Credit Bureau : Experian Information Solutions , Inc . 
Complaint Summary : I am filing this complaint against Experian for multiple, ongoing violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681e ( b ), 1681s-2, 1681b, and 1681c-2 ) and FTC consumer protection laws , despite my repeated good-faith efforts to correct and verify my information.

I have submitted official FTC Identity Theft Reports multiple times, verifying that I am a victim of identity theft and a national data breach. Despite this, Experian has continued to report fraudulent, inaccurate, and unverifiable data that has left me exposed to further theft and reputational damage.

Specifically, Experian continues to : Report false and outdated personal identifiers, including wrong names, previous addresses, and employers not associated with me ( e.g., XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MO XXXX, and XXXX XXXX ). 
Maintain fraudulent accounts that are not mine including XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX even after I provided proof that I did not authorize or open them. 
Display unauthorized inquiries ( e.g., XXXX XXXX XXXX, dated XX/XX/XXXX ) without any permissible purpose, violating 1681b ( a ).

Report inaccurate data on legitimate accounts, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, despite several mailed, phone, and online disputes. 
Each of these issues violates the FCRA and FTC consumer-protection standards. Experian has sent stall letters claiming I am not who I say I am, even after verifying my identity numerous times and submitting supporting documentation. This obstructive behavior is willful noncompliance under 1681n and 1681o.

Experians ongoing refusal to delete or correct this information following verified FTC reports is reckless and has caused substantial harm. The companys practices fail to uphold the duties of
accuracy, reinvestigation, and consumer protection mandated by federal law.

Requested Resolution : I request that the CFPB investigate Experians handling of this matter and ensure the following actions are taken : Permanent deletion of all fraudulent and unverifiable accounts. Removal of all unauthorized inquiries. Correction of all personal identifiers and outdated data. Provision of a revised and accurate credit report free of all disputed items.

Formal notice sent to all third parties that accessed my inaccurate report in the last six months.

I also request that Experian be held accountable for repeated violations of federal consumer-law standards after verified FTC identity-theft filings and data-breach documentation were provided.

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