Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against Experian for its repeated and willful violations of the Fair Credit Reporting Act ( FCRA ). For over a year, I have submitted multiple disputes and identity theft documentation to Experian regarding fraudulent accounts that were opened without my knowledge or consent. 

Despite my good faith efforts, Experian continues to allege that these accounts are valid, even though they are the result of identity theft. I have never opened or authorized these accounts, and there is no valid documentation, contract, or proof that ties these accounts to me. 



Fraudulent Accounts That Must Be Blocked and Deleted : The following accounts are not mine, and are the direct result of identity theft. They must be immediately blocked and permanently removed in accordance with FCRA XXXX : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Experians Legal Violations : 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) Blocking of Information Resulting from Identity Theft Experian is required to block identity theft-related information within 4 business days of receiving a valid police report or FTC Identity Theft Report. I have submitted both, along with proof of identity. Experians failure to remove the accounts above is a clear violation. 

2. FCRA 611 ( 15 U.S.C. 1681i ) Failure to Conduct a Reasonable Investigation Experian must conduct a reasonable reinvestigation when a dispute is submitted. The continued reporting of these accounts with no verified proof indicates no reasonable investigation occurred.

3. FCRA 623 ( a ) ( 6 ) Failure to Mark Accounts as Disputed Experian failed to properly flag these accounts as being disputed due to fraud, as required under FCRA. 

4. FCRA 616 & 617 ( 15 U.S.C. 1681n & 1681o ) Civil Liability Experians negligent and willful refusal to comply with federal law exposes them to statutory and punitive damages, as well as attorney fees. 



Supporting Case Law : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Credit bureau held liable for failing to remove inaccurate information after repeated consumer disputes. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX ) : Confirmed duty to block identity theft accounts under XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Reaffirmed that credit bureaus must conduct independent investigations, not just rely on creditors. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Failing to report an account as disputed is a material inaccuracy and violates the FCRA. 



My Position and Next Steps : I have now retained legal counsel and will pursue legal action if these accounts are not deleted within 4 business days. I am seeking : Permanent deletion of all identity theft-related accounts Written confirmation from Experian that these accounts will not be reinserted Statutory, actual, and punitive damages Attorneys fees and all legal remedies available Additionally, I will be submitting complaints to : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) My State Attorney Generals Office XXXX XXXX XXXX XXXX XXXX ) Office of the Inspector General ( FTC ) Department of Consumer Affairs ( state-level ) Summary of Relief Demanded : 1. Delete the following accounts : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX. Send written confirmation of deletion XXXX. Cease and desist from any reinsertion or future reporting of these accounts unless full proof of authorization is provided 4. Bring Experian into immediate compliance with FCRA 605B, 611, and 623 Failure to comply will result in litigation. Experian has had more than enough time to correct these issues. My previous CFPB complaints have gone ignored, which adds to the growing evidence of willful misconduct. It is now clear that Experian has chosen noncompliance as a business practice.

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