Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
Title : Experian, failure to block and delete an identity-theft auto loan. Request for 605B block, permanent deletion, and reinsertion protections. 

Consumer : XXXX XXXX XXXX. 
XXXX : XXXX XXXX XXXX. 
Experian report date : XX/XX/XXXX. 
Account : XXXX XXXX XXXX, acct no. XXXX. 
Experian is reporting : status Account charged off, balance XXXX dollars, past due amount XXXX dollars, past due as of XX/XX/XXXX, closed, last payment date XX/XX/XXXX, status updated XX/XX/XXXX, terms XXXX  months, XXXX XXXX XXXX  codes XXXX through XXXX, and XXXX in XXXX. 

Identity-theft proof I sent to Experian FTC Identity Theft Report No. XXXX names this XXXX auto loan as fraud, account pattern XXXX, loss XXXX dollars. 
Government ID provided. 

Allegations against Experian 1. Failure to block identity-theft information within 4 business days after receipt of my identity-theft report and proper identification, in violation of FCRA 605B, 15 U.S.C. 1681c-2 ( a ) and ( c ). The item remains on my file.

2. Failure to conduct a reasonable reinvestigation with human review, in violation of FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 4 ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and ( a ) ( 4 ). Experian did not review all relevant information I supplied.

3. Failure to provide the method of verification and procedure details, including the business name, address, and telephone number of each furnisher contacted, in violation of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and ( a ) ( 7 ).

4. Failure to delete information found inaccurate or unverifiable, and failure to cease reporting it, in violation of FCRA 611 ( a ) ( 5 ) ( A ), 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

5. Failure to ensure maximum possible accuracy, in violation of FCRA 607 ( b ), 15 U.S.C. 1681e ( b ).

6. Reinsertion safeguards : if Experian deleted or blocks this item, Experian must not reinsert unless the furnisher certifies completeness and accuracy, and must notify me within 5 business days, per FCRA 611 ( a ) ( 5 ) ( B ) and ( C ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) and ( C ). I request CFPB oversight of this.

7. Identity-theft furnisher duties : Experian must not accept or continue reporting identity-theft information from a furnisher that fails to meet 623 ( a ) ( 6 ) obligations, 15 U.S.C. 1681s-2 ( a ) ( 6 ).

Metro 2 accuracy failures on the Experian entry Reporting a past due amount on a closed, charged-off account conflicts w
ith Metro 2 guidance, which requires no XXXX XXXX XXXX for charge-off status. 
Past due as of XX/XX/XXXX, while the status shows XXXX and XXXX updated XX/XX/XXXX, is inconsistent and misleading. 
Simultaneous VS ( voluntary surrender ) and continuing monthly CO coding across many years misrepresents the actual final status and inflates negative severity.

Balance equals past due, XXXX dollars, while the account is reported as charged off and closed, which is inconsistent with Metro 2 field logic for charge-off reporting.

Requested CFPB action and relief 1. Order Experian to block this identity-theft account under FCRA 605B within 4 business days and to permanently delete it from my file.

2. Order Experian to provide, in writing, the full method of verification and procedure description, including the names, addresses, and phone numbers of all parties contacted, plus all documents used in any reinvestigation.

3. Order Experian to correct all Metro 2 fields if any data remains, including removal of any past due amounts on a charge-off and removal of misleading multi-year CO strings.

4. Require written confirmation of permanent deletion, and written assurance regarding reinsertion protections under 611 ( a ) ( 5 ) ( B ) and ( C ).

5. Require Experian to flag and suppress any future attempts to furnish this identity-theft item absent the statutory certification and notice. 

Attachments provided to Experian and available here for CFPB review FTC Identity Theft Report No. XXXX identifying the XXXX XXXX loan as fraud. 
Copy of my government ID. 

Harm This inaccurate identity-theft tradeline blocked auto and credit approvals, increased pricing, and caused emotional distress. I seek deletion, blocking, and written confirmation with dates. 

Certification I affirm the statements above are true to the best of my knowledge. I request immediate enforcement and a written response.

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