Consumer complaint received 2025-11-19 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:
This complaint concerns Experians continued failure to follow federal law regarding identity-theft-related information on my credit file. Since XXXX, my personal identifiers have been repeatedly compromised. I have already provided Experian with legally sufficient identity-theft documentation, including : XXXX XXXX XXXX Theft Determination Letter dated XX/XX/XXXX, confirming my SSN and DOB were used fraudulently in XXXX FTC Identity Theft Report My police report - New Evidence XXXX XXXX XXXX XXXX data-breach litigation documentation confirming my SSN and DOB were accessed my unauthorized 3rd party XXXX XXXXXX/XX/XXXXXXXX XXXXincident notice confirmation my SSN and DOB were accessed by an unauthorized 3rd party Despite receiving this evidence multiple times, Experian has : ignored legally sufficient identity-theft documentation refused to block fraudulent accounts as required under FCRA 605B issued false and contradictory verified determinations recycled old internal data instead of performing a lawful reinvestigation used canned, inappropriate template language that does not address the evidence contradicted multiple CFPB complaint responses in which furnishers acknowledged possible fraud and continued publishing technically impossible, inconsistent, and unverifiable credit data I submitted several disputes and complaints regarding this issue : CFPB Complaint Reference # XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Experian Disputes # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Experian has failed to comply with both FCRA XXXX ( Identity Theft Block ) and 611 ( a ) ( Reinvestigation Requirements ). Instead of removing unverifiable fraud-tainted information, Experian continues to publish accounts and delinquency sequences that are technically impossible, unsupported by furnishers, and directly contradicted by the evidence I submitted. 


XXXX XXXX XXXX XXXX XXXX XXXX  Experian Response ( XXXX XXXX XXXX XXXX  ) : Certified as accurate. Remains. 

There is no possible scenario under which the XXXX XXXX reporting on my credit file could be legitimate or accurate. My XXXX XXXX account was never delinquent prior to XXXX, as confirmed by historical credit reports. The sudden and extreme delinquency sequences beginning in XXXX do not reflect my payment history and only appeared after my SSN and DOB were compromised.

The account displays impossible Metro 2 patterns : frozen XXXX blocks for XXXX  months at a time, missing XXXX progressions, and backward regression ( XXXX XXXX ). These sequences can not be generated by any lawful furnisher. 

The payment history grid is completely impossible Experians grid shows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This is impossible and fraudulent XXXX. The delinquency sequence is not how math or credit reporting works Experian is listing random months out of order : It jumps backwards ( XXXX XXXX XXXX XXXX  ) It jumps forwards ( XXXX XXXX XXXX XXXX XXXX It repeats delinquency stages multiple times XXXX XXXX only furnishes delinquency sequentially : XXXX XXXX XXXX XXXX charge-off They do not report XXXX days late, nor do they go backwards. 

The sequence here is fabricated or bureau-corrupted. 

XXXX. Months missing XXXX late make the XXXX/XXXX/XXXX impossible For every : XXXX late there must be XXXX consecutive XXXX lates before it. 

For every : XXXX late there must be XXXX. 

But your report skips the entire XXXX stage for : All of XXXX All of XXXX All of XXXX XXXX of XXXX ALL early delinquencies in XXXX This alone proves this is non-furnisher-generated and therefore fraudulent. 

XXXX. Delinquency blocks are frozen ( XXXX  month blocks of same delinquency ) Example : XXXX XXXX all showing 90 days late XXXX XXXX all showing XXXX or XXXX days late Frozen delinquency blocks are a primary indicator of bureau-level data corruption or identity-theft tainted files. 

XXXX XXXX does not report frozen blocks. 

Experians claim that this reporting is accurate is impossible, because no legitimate furnisher can produce delinquency sequences that violate Metro 2 structure, skip required stages, move backwards in time, or freeze the same delinquency repeated monthly when payments were made. The only logical conclusion is that Experian is reporting corrupted, fraud-tainted data and their refusal to block or correct it directly violates FCRA 605B and 611 ( a ). This can only originate from corrupted bureau-level data and must be blocked under 605B and deleted under 611. 


XXXX XXXX XXXX XXXX XXXX XXXX Experian Response ( XXXX Report # XXXX ) : Certified as accurate. Remains. 

There is no possible scenario under which the XXXX XXXX reporting on my credit file could be legitimate or non-fraudulent. The accounts history directly contradicts XXXX own contract terms, my verified 100 % on-time payment history, and Metro 2 reporting standards. A consumer can not make every required payment on time for the full term and also be charged off for the same loan both can not coexist, yet this is exactly what Experian is representing. 

In addition, the account was reported with a rolling charge-off every single month from XXXX, which is operationally impossible, violates XXXX XXXX guidelines, and proves the account is being artificially refreshed long after the loan was completed. This fraudulent sequence began only after my SSN and DOB were compromised beginning in XXXX. 

Experian is publishing data that no lawful furnisher could ever create, including a premature XXXX charge-off after my last payment, continuous re-aging, and the use of a non-existent hybrid furnisher ( XXXX XXXX. XXXX has not owned this loan since at least XXXX, and multiple collection agencies have issued contradictory ownership between XXXX XXXX. XXXX has no legal standing to validate the debt yet attempted to do so. 

This Experian XXXX XXXX proves the data is corrupted because it shows the XXXX loan as fully paid ( XXXX XXXX XXXX ) and then simultaneously reports a {$2500.00} charge-off with a XXXX XXXX statusmeaning Experian claims the account was charged off only XXXX days past due, which violates federal XXXX charge-off rules. The report also shows XXXX different account numbers for the same loan ( XXXX and XXXX ) and XXXX different subscriber names XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which is impossible unless Experian is importing unverifiable or duplicated furnisher data. Most importantly, the payment history shows the account as paid through the full term, yet Experian continued reporting rolling charge-offs for years afterwardproving this is not furnisher-reported data but corrupted bureau-level reporting. 

Experian can not claim this XXXX  tradeline is accurate when it is reported under an unverifiable furnisher name XXXX XXXX  ) even though the debt cycled through multiple collection agenciesXXXX XXXX XXXX none of which match the furnisher Experian lists, proving the data is not coming from any legitimate source. Experians own report shows the loan was fully paid through the entire term and then mysteriously charged off only 60 days after the last payment followed by illegal monthly rolling charge-offs for nearly XXXX years despite federal law requiring a minimum XXXX past-due period before a charge-off, confirming the reporting is corrupted, fraud-tainted, and unlawful. 

The below tradelines prove Experian has been aware of fraudulent activity with my identification. I submitted CFPB complaints from XXXX - XXXX in which each of these furnishers and Experian responded with the following : We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud.

Because these furnishers have already acknowledged fraud in my CFPB complaints, Experian is legally required to apply an immediate FCRA 605B fraud block not recycle data or conduct further reinvestigations with the same furnishers who already confirmed fraud at the federal level. Experian os required by law to immediately implement the 605B fraud block, remove all fraud-tainted and unverifiable information, and bring its actions into full compliance with federal law. 

I uploaded the each CFPB complaint through Experians online dispute portal, in addition I included them in CFPB complaint # XXXX ( Submitted XX/XX/XXXX ) and Experian closed this complaint and stated they needed authorized because it was submitted by a XXXX party. Which is Experians attempt to dismiss my evidence of negligence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian & Furnisher Response XX/XX/XXXX : We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. 
Experian XXXX ( XXXX ) # XXXX : Certified as accurate. Remains. Experian ignored the furnishers fraud confirmation. Required Action : 605B block. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian and Furnisher Response XXXX We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. 
Experian Response ( XXXX ) # XXXX : Certified as accurate. Remains. This violates 605B and 611. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CFPB Complaint : # XXXX Submitted XX/XX/XXXX Experian & Furnisher Response XX/XX/XXXX : We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. 
Experian Response ( XXXX ) # XXXX : Certified as accurate. Remains. Experian is knowingly reporting fraud-tainted information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CFPB Complaint XXXX XXXX XXXX Submitted XX/XX/XXXX Experian & Furnisher Response XX/XX/XXXX : We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud.

Experian Response ( XXXX ) # XXXX Verified and updated. This is impossible. The account was sold, the furnisher no longer owns it, and no entity is legally reporting this debt. Experian can not verify data that has no valid furnisher. 

Experian has repeatedly failed to apply the required fraud block under FCRA 605B, even after I provided every legally sufficient identity-theft document, including my UIA determination letter, FTC report , police report, and breach confirmations. Under 605B, Experian is required to block the disputed fraud-related information within XXXX ( XXXX ) business days, yet instead of doing so, Experian issued contradictory verified results and recycled unverifiable data that no furnisher has validated. I am requesting that the CFPB require Experian to immediately implement the 605B identity-theft block, remove all unverifiable and corrupted information, and bring its handling of my disputes into full compliance with federal law.

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