Consumer complaint received 2025-07-18 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: MO

Complaint narrative:
FCRA Violations Regarding Fraudulent Student Loan Accounts : Experian has failed to remove two fraudulent student loan accounts from my credit report after receiving full identity theft documentation. This violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, 1681i, and 1681s-2 ( b ). 

1. Disputed Accounts : Furnisher : DEPT OF ED/XXXX  Account Numbers : Begin with XXXX Status : Marked 180+ days late as of XX/XX/XXXX Balance : {$1900.00} and {$3200.00} respectively 2. Fraud Documentation Submitted to Experian on or around XX/XX/XXXXXXXX  : FTC Identity Theft Report ( Report # XXXX ) IRS Identity Theft Affidavit ( Form XXXX ) Statement confirming fraud began XX/XX/XXXX Evidence that these student loan accounts were opened and reported without authorization 3. Experians Response : XX/XX/XXXXXXXX  : Received stall letter with no confirmation of action taken XX/XX/XXXXXXXX  : Experian issued dispute results stating the accounts were not changed with no supporting verification or discovery documentation provided Violations : 1. Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ( a ) ) Experian failed to block the accounts within 4 business days despite receiving an FTC Report and identity documentation 2. Failure to Conduct Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) No proof of a reinvestigation was provided. Experian accepted the furnishers response without independent verification 3. Failure to Notify Consumer of Reinvestigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The XX/XX/XXXX notice contained no explanation, supporting documents, or rationale for retaining the fraudulent accounts 4. Continuing to Report Inaccurate Data After Notification ( 15 U.S.C. 1681s-2 ( b ) ) Despite clear fraud reports, Experian continues to report these as valid, impacting my score and creditworthiness. 

When my information is being furnished or in your case parroted, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ). You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ) If you dont comply with the FCRA, you may be sued by the FTC , Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of {$4900.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621.

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