Consumer complaint received 2025-01-08 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:
Subject : Formal Complaint Against XXXX for FCRA Violations and Failure to Remove Fraudulent Accounts To Whom It May Concern, I am filing a formal complaint against XXXX for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding fraudulent accounts on my credit report. Despite multiple dispute requests, documented evidence of identity theft, and legal obligations under the FCRA, XXXX refuses to remove fraudulent accounts and inquiries from my report. This negligence has caused severe financial and reputational harm. 
Details of Complaint : XXXX. Failure to Remove Fraudulent Accounts * XXXX continues to report fraudulent accounts that do not belong to me, including but not limited to : * XXXX XXXX XXXX ( {$XXXX}, charged off ) Initially removed but reinstated without my authorization, violating FCRA 611 ( a ) ( 5 ) ( B ). 
* XXXX XXXX XXXX {$XXXX}, charged off ) XXXX has failed to provide any signed documentation linking this account to me. 
* XXXX XXXX ( {$XXXX}, auto loan ) This account was flagged as fraudulent per my identity theft report but has not been removed. 
* XXXX XXXX ( Multiple Accounts ) Incorrectly verified and certified without proof. 
2. Failure to Block Identity Theft Information as Required by Law * Under FCRA 605B, XXXX is required to block fraudulent accounts upon receipt of an identity theft report. I have provided : * FTC Identity Theft Report * Police Report * Proof of Identity ( Drivers License, Social Security Card, Utility Bill ) * Despite this, XXXX has refused to act on this legally sufficient evidence. 
3. Failure to Provide Documentation Proving Account Ownership * Under FCRA 609, I have the right to request documentation that proves these accounts belong to me. XXXX has failed to provide such documentation, meaning they are reporting unverifiable accounts. 
XXXX. Unlawful Reinsertion of Deleted Accounts * XXXX previously removed XXXX XXXX XXXX but has now reinstated the account without valid certification, in direct violation of FCRA 611 ( a ) ( 5 ) ( B ).

5. Failure to Remove Unauthorized Inquiries * XXXX has reported multiple inquiries that I did not authorize, in violation of FCRA 604 ( a ) ( 2 ), which requires permissible purpose before running credit inquiries. 
XXXX. Refusal to Accept Valid Documentation * XXXX has refused to accept my FTC Identity Theft Report and police report as valid proof, despite federal laws that mandate their acceptance. 
Requested Resolution : 1. Immediate and Permanent Removal of All Fraudulent Accounts.

2. Deletion of All Unauthorized Inquiries.

3. Correction of My Contact Information. 
XXXX. Full Compliance with the Fair Credit Reporting Act. 
XXXX. Compensation of {$XXXX} for financial damages, lost opportunities, and emotional distress due to XXXX failure to comply with federal law. 
I demand immediate action from the CFPB to investigate XXXX continued non-compliance with federal regulations and take corrective action against them. If this issue is not addressed promptly, I will escalate my complaint further, including arbitration or legal proceedings. 
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