Consumer complaint received 2025-01-20 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: TX

Complaint narrative:
I am writing to demand a reinvestigation of the fraudulent XXXX XXXX accounts ending in XXXX and XXXX that remain inaccurately reported on my credit file. I have disputed these accounts multiple times and provided ample evidence proving that they were opened without my authorization due to identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct reasonable investigations into disputes and remove unverifiable or inaccurate information. However, your continued reliance on XXXX XXXX claims, without independently verifying the facts, constitutes a failure to meet your legal obligations. 

Key Facts and Evidence Provided XXXX. These accounts were opened as a result of identity theft. 
XXXX. I submitted the following evidence in my disputes : A police report documenting the identity theft. 
An FTC Identity Theft Report. 
Court dismissal orders related to lawsuits concerning these accounts. 
XXXX. XXXX XXXX has refused to accept the fraud claims despite the overwhelming evidence, and you have mirrored their position without conducting an independent investigation as required by the FCRA. 

Your Obligations Under the FCRA Under 15 U.S. Code 1681i : 1. Reasonable Investigation : You are required to conduct an independent and thorough investigation of disputed information. Simply relying on the furnisher ( XXXX XXXX ) is insufficient. 
XXXX. Correction or Deletion of Information : If the disputed accounts can not be verified, they must be removed from my credit file.

Demand for Action I am demanding that you : 1. Conduct a reinvestigation into these accounts, independently verifying the evidence I have provided rather than solely relying on the claims of XXXX XXXX. 
XXXX. Provide me with a detailed explanation of the methods and findings of your investigation. 
XXXX. Immediately remove the fraudulent accounts from my credit file if they can not be verified as legitimate. 

Failure to Comply If you fail to properly investigate this dispute and remove the inaccurate information, I will escalate this matter further by : 1. Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

2. Taking legal action under the FCRA, which allows for statutory damages, punitive damages, and attorney fees for violations.

For your convenience, I have attached copies of all supporting documents, including : A copy of the police report.

My FTC Identity Theft Report. 
Court dismissal documentation. 
Correspondence with XXXX XXXX regarding this matter. 

Next Steps You have 30 days to respond to this dispute and notify me in writing of the results of your reinvestigation. I expect full compliance with the FCRA and immediate action to resolve this issue. 

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