Consumer complaint received 2025-05-18 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:
XX/XX/year>XXXX  Via Certified Mail and Electronic Submission Federal Trade Commission ( FTC ) XXXX XXXX XXXX, XXXX Washington , DC XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Experian Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX RE : Formal Complaint Noncompliance by Experian in Violation of Federal Consumer Protection and Credit Reporting Laws Regarding Identity Theft Reported Account ( XXXX XXXX ) To Whom It May Concern : I am writing to formally request that the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) immediately investigate Experians ongoing noncompliance with federal consumer protection laws as it pertains to its continued reporting of a fraudulent accountXXXX XXXX  my credit file. Experian 's failure to block and remove this account upon notification of identity theft directly violates the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and other relevant provisions of federal law. 

Between XX/XX/year>XXXX  and XX/XX/year>, I submitted no fewer than five formal identity theft reports regarding the fraudulent XXXX XXXX account, each accompanied by all documentation required under 15 U.S.C. 1681c-2, including : A valid Identity Theft Report filed with law enforcement ; A statement explaining the fraudulent nature of the account and detailing how the fraud and misrepresentation occurred ; Proof of identity and proof of address. 

These documents were submitted through the CFPB portal, ensuring there is irrefutable documentary proof that Experian received the notices and supporting materials required to act under the law. 

Despite this, Experian has failed to block or remove the XXXX XXXX account from my credit report. Instead, it has continued to report the account as if it were accurate and legitimately mine, which is a direct misrepresentation and a violation of the FCRA 's accuracy provisions. 

Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to : follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Experian is in breach of this statutory duty. When a consumer provides legally sufficient documentation proving that an account was the result of identity theft and fraudas I have done repeatedlythe continued reporting of that account as accurate is in fact the reporting of known inaccurate and fraudulent information, which is explicitly prohibited by law. 

Let me be clear : If fraud and misrepresentation have been proven and documentedand they havethen Experian can not lawfully claim that the XXXX XXXX account is accurately reported. This is both illogical and illegal. Under the FCRA, all information reported must be 100 % accurate. A fraudulent account, by definition, can not be accurate. 

Experians failure to act constitutes : Violation of 15 U.S.C. 1681c-2 ( a ) ( failure to block fraudulent data upon notice of identity theft ) ; Violation of 15 U.S.C. 1681e ( b ) ( failure to ensure maximum possible accuracy ) ; Violation of 15 U.S.C. 1681n and 1681o ( willful and negligent noncompliance with the FCRA, respectively ).

These violations subject Experian to civil liability, including actual damages, punitive damages, and attorneys fees. The law is unambiguous : the consumer reporting agency must block fraudulent information within four ( 4 ) business days upon proper notice and documentation. An investigation may follow, but the disputed data must be removed immediatelynot left on the report during the course of any such investigation. 

I therefore demand : That the FTC and CFPB initiate a formal investigation into Experians refusal to comply with the FCRA and related consumer protection statutes ; That Experian be compelled to permanently and immediately remove the XXXX XXXX account from my credit report in accordance with 15 U.S.C. 1681c-2 ( a ) ; That Experian be held accountable for willful and negligent violations of the law ; That Experian be warned of its exposure to civil liability and regulatory enforcement actions for its continued failure to take corrective action. 

I am fully prepared to pursue this matter in federal court, if necessary, under the FCRA 's private right of action to seek full redress. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Statement of Fraud and Misrepresentation Proof of Identity Proof of Address

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