Consumer complaint received 2025-08-11 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian  Information Solutions, IncXXXX XXXX XXXX XXXX XXXX XXXX XXXX\n Consumer Financial Protection Bureau (CFPB)\n Federal Trade Commission (FTC)\nSubject: Formal Notice of Intent to Sue  Violations of the Fair Credit Reporting Act (FCRA) and Failure to Remove Fraudulent Account\n\nTo Whom It May Concern,\nThis letter serves as my formal notice of intent to initiate legal action against Experian Information Solutions, Inc. (Experian) for willful and negligent violations of the Fair Credit Reporting Act (15 U.S.C.  16811681x), including but not limited to  1681c-2, 1681i, 1681b, and 1681n, in connection with the continued reporting of a fraudulent XXXX XXXX  account (Account NoXXXX XXXX XXXX XXXX XXXX on my credit report.\nBackground\nOn numerous occasions, I have disputed the above-referenced account because:\nI never opened, authorized, or held any account with XXXX XXXXXXXX  explicitly informed Experian that I am a victim of identity theft and that this account is fraudulent.\n\n\nMy personal information was compromised in the XXXX  data breach, after which multiple unauthorized accounts, including bank accounts, were opened in my name, and my mail was diverted without my knowledge.\n\n\nI provided Experian with an identity theft report filed with the FTC  documenting the identity theft, as well as supporting documentation per 15 U.S.C.  1681c-2(a).\n\n\nUnder FCRA  605B (15 U.S.C.  1681c-2), when a consumer submits a valid identity theft report to a credit reporting agency, that agency must block the reporting of the disputed information within four (4) business days. Experian has willfully failed to do so.\n\nRequests for Verification Ignored\nThrough the CFPB portal, I specifically requested that Experian provide:\nThe method of verification used to determine the accuracy of this account (15 U.S.C.  1681i(a)(6)(B)(iii)).\n\n\nThe name of the person contacted at XXXX  XXXX, along with the date and time of that communication.\n\n\nAll documents provided by XXXX  XXXX  that you relied upon to verify this account, including signed applications, payment statements, and copies of identification.\n\n\nThe signed contract or application bearing my wet signature, per FCRA  609(a)(1) (15 U.S.C.  1681g).\n\n\nTo date, none of these documents have been provided. This is a direct violation of my rights under  609 and 611 of the FCRA, which grant me the legal right to request all information in my credit file and require the credit bureau to delete unverifiable information.\n\nValidation of Debt Request Ignored\nI also requested debt validation under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692g, as incorporated into the FCRA dispute process. Failure to provide validation but continuing to report the debt constitutes continued collection activity and is a violation of both the FDCPA and FCRA.\n\nLegal Violations\nExperians actions constitute:\nViolation of FCRA  605B (15 U.S.C.  1681c-2)  Failure to block reporting of fraudulent information within four business days of receiving an identity theft report.\n\n\nViolation of FCRA  609(a)(1) (15 U.S.C.  1681g)  Failure to provide all information in my credit file upon request, including the original application or contract.\n\n\nViolation of FCRA  611 (15 U.S.C.  1681i)  Failure to conduct a reasonable reinvestigation and provide the method of verification upon request.\n\n\nViolation of FCRA  623(b) (15 U.S.C.  1681s-2)  Failure to delete inaccurate information after notice of dispute.\n\n\nViolation of FCRA  616 and  617 (15 U.S.C.  1681n, 1681o)  Willful and negligent noncompliance with the FCRA, entitling me to actual damages, statutory damages up to $XXXX  per violation, punitive damages, and attorneys fees.\n\n\n\nRelevant Case Law\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (XXXX XXXX XXXX)  The court held that a credit bureau must do more than simply verify the disputed information with the furnisher; it must conduct an independent investigation.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX)  Failure to remove unverifiable information violates the FCRA.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furnishers and credit bureaus are jointly liable for failing to correct inaccurate information after receiving notice.\n\n\n\nDemand\nPursuant to FCRA  609, I hereby request once again a complete 609 Letter File containing:\nAll information in my credit file related to this account.\n\n\nThe original signed application or contract.\n\n\nAll dates and sources of information.\n\n\nAll payment history and account status reports provided by XXXXXXXX XXXX\n\n\nAny written communication between Experian and XXXX XXXX  regarding this account.\n\n\nIf you are unable to produce the signed contract or application, you must delete this account from my credit file immediately per FCRA  611(a)(5).\n\nNotice of Legal Action\nIf this fraudulent account is not deleted from my credit report within 15 calendar days of your receipt of this letter, I will proceed with filing a lawsuit against Experian in U.S. District Court for willful violations of the FCRA, seeking:\nStatutory damages under 15 U.S.C.  1681n.\n\n\nActual damages, including credit denials, emotional distress, and reputational harm.\n\n\nPunitive damages.\n\n\nAttorneys fees and costs.\n\n\nAll prior CFPB complaints, my police report, and this letter will be used as evidence in court.  \n Police Report Submission and Legal Requirement to Remove Account\nEnclosed with this letter is another copy of the police report filed with the Orlando Police Department concerning this identity theft.\nUnder FCRA  605B (15 U.S.C.  1681c-2(a)), when a consumer submits to a credit reporting agency an identity theft report that meets the requirements of  1681a(q), the agency must block the reporting of the fraudulent information within four (4) business days of receiving:\nProof of the consumers identity,\n\n\nA copy of the identity theft report (police report), and\n\n\nThe identification of the disputed information.\n\n\nIf the consumer reporting agency fails to block such information, they are in willful noncompliance with the FCRA, subject to penalties under 15 U.S.C.  1681n (statutory damages up to $1,000 per violation, actual damages, punitive damages, and attorneys fees) or 15 U.S.C.  1681o (negligent noncompliance).\nYour failure to remove this account despite receiving my valid identity theft report is a clear violation of federal law and subjects Experian to both civil liability and regulatory penalties. I have enclosed a copy of the identity report filed with the police concerning this matter.\n\n\nSincerely,\n 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