Consumer complaint received 2025-06-07 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: MI

Complaint narrative:
To : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX, XXXX XXXX cc : Experian XXXX. XXXX XXXX XXXX, TX XXXX Formal Complaint Experian Violations of the Fair Credit Reporting Act ( FCRA ) and Demand for Compensation Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft and Experian has refused to comply with their legal obligations to block fraudulent information from my credit report causing me financial and emotional harm. 

On XX/XX/year>, I submitted a valid Identity Theft Report ( FTC Report # XXXX ) through https : //www.identitytheft.gov. This report, along with a signed personal statement under penalty of perjury and identifying documents, was provided to Experian. It includes the following fraudulent accounts : XXXX  {$600.00} XXXX, XXXX XXXX XXXX {$960.00} XXXX XXXX  {$1300.00} XXXX XXXX {$250.00} Experian has refused to block these accounts, falsely stating that the FTC Identity Theft Report is not valid unless it is filed with local law enforcement. This is both incorrect and unlawful. 



Legal Violations Committed by Experian : 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian is required to block fraudulent information within 4 business days after receiving a valid Identity Theft Report. They failed to do so.

2. FCRA 603 ( q ) ( 4 ) ( 15 U.S.C. 1681a ( q ) ( 4 ) ) An FTC Identity Theft Report qualifies as a valid report to a law enforcement agency. Experians refusal to accept it violates this section.

3. FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) Experian continues to report known fraudulent data, despite being informed of its origin through an official FTC filing .

4. FCRA 611 ( 15 U.S.C. 1681i ) Experian has failed to perform a proper reinvestigation into the disputed fraudulent accounts, prolonging harm to my credit. 



Impact on Me : Because of Experians willful and negligent violations of the law, I have experienced : A damaged credit report Denial of credit opportunities Emotional distress Time and effort wasted disputing fraudulent accounts Experian is legally obligated to block My Requests : Immediate removal of all fraudulent accounts listed in my FTC report A written confirmation that these items have been permanently deleted Compensation under : FCRA 616 Willful violations ( up to {$1000.00} per violation ) FCRA 617 Negligent violations ( actual damages ) If I do not receive appropriate resolution, I will pursue my rights through civil litigation, including small claims court or through an FCRA attorney. 

All necessary documents ( FTC Report, identity theft affidavit, supporting ID ) are enclosed. 

Thank you for your attention to this matter. 

Sincerely, XXXX 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