Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding the ongoing mishandling of my dispute involving the XXXX XXXX ( Acct # XXXX ), which has been erroneously reported on my credit file by Experian. Despite submitting my original dispute letter in XX/XX/year> via XXXX, tracking number XXXX, this account still appears on my credit report as we near the end of the year. The XXXX XXXX account should have been removed months ago, but instead, it continues to show up despite repeated requests for verification and the clear evidence of identity theft that I have provided. This ongoing failure to act is not just frustrating, it's inexcusable. I have submitted my FTC Identity Theft Report, valid ID, and proof of address, which clearly show that the account was reported without my consent. Experians actions violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.1681b, which prohibits the reporting of accounts without proper consent, and 15 U.S.C . 1681i ( a ) ( 7 ), which mandates that the credit bureaus provide a method of verification when an account is disputed. I have yet to receive any valid response or acknowledgment of my request for these details, and the account remains on my report. This failure to respond is not just negligent ; its a clear violation of my consumer rights under the FCRA. In addition to the reinserted account, Experian has failed to comply with the requirements outlined in 15 U.S.C. 1681c-2, which mandates that information related to identity theft must be blocked from the credit report once sufficient evidence has been provided. Despite the fact that I have submitted all required documentation to Experian, including my FTC report and personal ID, Experian continues to report this account, and no action has been taken to resolve this dispute. This is a direct violation of federal law. Moreover, I am unable to file a new FTC Identity Theft Report due to the FTC website shutdown, which has only compounded the difficulty of resolving this issue. Nevertheless, I provided ample documentation during my initial dispute, and Experian has had more than enough time to address and correct the errors. The lack of response, along with the continued reporting of the unauthorized account, has caused emotional distress and financial harm, as it is negatively impacting my credit score and limiting my ability to access credit. Let me be clear : Experians ongoing failure to act on this matter is damaging my credit, and their refusal to delete an account that was never authorized is both negligent and unlawful. The fact that Experian has failed to remove the XXXX XXXX from my credit file, despite having all the necessary documentation and time to act, speaks volumes about the inefficiency and disregard for consumer rights that Experian is demonstrating. I have no choice but to escalate this matter and seek a formal resolution through the CFPB.

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