Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes, Experian continues to report the following accounts without complying with the law : XXXX XXXX Account XXXX : XXXX XXXXXXXX XXXX Account No : XXXX XXXX XXXX Account XXXX : XXXX Experian is refusing to comply with its obligations under the FCRA despite I provided an FTC Identity Theft Report ( No. XXXX ). This refusal violates my consumer rights, prevents me from receiving protections guaranteed under federal law, and has caused ongoing harm to my credit and financial stability. 
On multiple occasions, I disputed these accounts reported by Experian as unauthorized, inaccurate, and unverifiable. Despite my disputes, Experian has continued to report these accounts without complying with federal law. 
Experian have failed to conduct a proper verification and validation process and have not provided the documentary evidence required to establish the accuracy or legitimacy of these accounts. Instead, Experian continues to rely on automated verification systems and processes that do not satisfy the standards mandated by the Fair Credit Reporting Act ( FCRA ), rather than conducting a reasonable reinvestigation as required by law. This automated approach is not a meaningful or good-faith reinvestigation under 15 U.S.C. 1681i, and it denies me my right to have a human-led verification with supporting documentation. A reinvestigation must be meaningful, human-conducted, and supported by documentary evidence, not a mere repetition of what the furnisher claims.

Failures by Experian : 1. Permissible Purpose Not Provided ( 15 U.S.C. 1681b / FCRA 604 ) : Experian has not shown any lawful purpose or written authorization that allows them to report these accounts. 
XXXX. Method of Verification Not Disclosed ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) : Experians response merely stated that furnishers have statements and payments. This does not satisfy the FCRAs requirement to disclose the actual method of verification. 
XXXX. Identity of Verifier Not Provided ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) : Experian failed to provide the name, title, or contact of the person who allegedly verified the accounts. 
XXXX. Original Contract Not Produced ( 15 U.S.C. 1681g / FCRA 609 ) : I specifically requested the original signed contracts linking me to the accounts. Experian has not produced any such documents. 
XXXX. Failure to Block Identity Theft Accounts ( 15 U.S.C. 1681c-2 / FCRA 605B ) : I provided an FTC Identity Theft Report ( FTC Report XXXX. XXXX ) and government ID. By law, Experian was required to block the disputed accounts within XXXX business days. They ignored this statutory obligation. 
XXXX. Inadequate Investigation ( 15 U.S.C. 1681i / FCRA 611 ) : Experian relied on automated XXXX responses rather than conducting a reasonable reinvestigation. This automated approach is not a meaningful or good-faith reinvestigation under 15 U.S.C. 1681i, and it denies me my right to have a human-led verification with supporting documentation. 
Harm Suffered : Continued reporting of false and unauthorized accounts has damaged my creditworthiness and caused financial hardship. 
By failing to block these accounts and failing to provide lawful evidence, Experian is knowingly violating consumer protection laws. 
I respectfully request that the Consumer Financial Protection Bureau take immediate action to ensure Experian complies with the Fair Credit Reporting Act, deletes and permanently blocks these unverifiable accounts, and upholds my rights as a consumer under federal law. Thank you for your prompt attention to this matter.

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