Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was just recently contacted by Experian, which I've included in this transmission. I still being treated unfairly it's past that XXXX days and all they came up with is for me to resubmit information they already have submitted This letter serves as a formal follow-up to the multiple disputes and communications I have submitted regarding fraudulent and inaccurate information still being reported on my Experian credit file due to identity theft. I am writing with increasing frustration and disappointment at the manner in which I, a verified victim of identity theft, have been treated throughout this process. 

Over the past several years, I have repeatedly provided supporting documentation, including police reports, statements, and ID verification. Despite fulfilling every request and attempting to correct what others did using my stolen information, I continue to be treated not as a victim, but as a suspect. Ive uploaded documentation numerous times, spoken with customer service, and even escalated the matter through the Consumer Financial Protection Bureau ( CFPB ) yet the same cycle continues with no meaningful resolution. 

I now feel as if my character is being questioned, as though I am on trial for wrongdoing I did not commit. I am repeatedly asked to re-submit documents Ive already provided, while it seems that no burden of proof is being placed on the creditors who furnished the fraudulent data in the first place. If they believe I am connected to these accounts, then they should be required to provide proof of that connectionnot the other way around. 

The entire point of these disputes and identity theft reports is that my information was compromised. Continuing to ask me to prove again and again what I have already established, while still allowing damaging information to appear on my report, is both unjust and emotionally exhausting. It has affected not only my credit, but also my peace of mind, financial opportunities, and overall well-being. 

I expect to be treated with the fairness, respect, and urgency that is owed to every consumer under the Fair Credit Reporting Act ( FCRA ). Please consider this my final notice before I escalate this matter further, including seeking legal relief for the harm done to my name and creditworthiness. I'm sending this your way because Experian is requesting things and I'm not even able to communicate with them outside of that upload portal that they have that hasn't proven to work in the past XXXX  years for XXXX  years for me and I don't know how to respond to them and let them know you know these are things that I've already you know they and they see the things that I've already uploaded and the cfpb has that I'm sure they passed along to them you know so just a little extra to go along with yours and if any way this could get to them so that they would not be expecting me to resubmit paperwork that they already have thank you. 

Sincerely, XXXX XXXX

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