Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
Experian had violated my rights and the law. 
I previously disputed fraudulent accounts and provided : ftc theft report, police report, id.. 
They deleted XXXX on XX/XX/XXXX and XXXX but reinserted XXXX and after a second dispute they deleted it again on XX/XX/XXXX Both times They reinserted XXXX without a 5 day notice or any info from the furnisher. They responded with an email saying they felt my theft claim was not valid but didnt provide any details They Conducted a Reinvestigation Instead of a Block ( 611 vs. 605B ) The letter repeatedly refers to " reinvestigation '' and " dispute results.

However, the correct process under identity theft is a blocking process, not a 611 reinvestigation.

Reinvestigation puts the burden back on the me and allows the furnisher to " verify '' fraudulent data- which is exactly what Congress prohibited in identity theft cases.

Violation : FCRA 611 ( a ) & 605B ( b ) - using the wrong procedure ( reinvestigation instead of blocking ).

They also declined to block and said they were forwarding documents to the furnisher and said " We will review all relevant documents submitted with the dispute and will forward them to the furnisher if we are unable to resolve the issue. '' Forwarding my FTC and police reports to the furnisher is illegal under 605B ( c ) ( 1 ).

They're only allowed to notify the furnisher that the account was blocked -not send my confidential identity theft materials.

& Violation : FCRA 605B ( c ) ( 1 ) - improper disclosure of identity theft report. 

I asked for the removal of XXXX and Experian replied You are requesting these items be removed. Per your request to conduct a reinvestigation, we contacted the data furnishers ) for the disputed items on your Experian credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the remaining disputed information was accurate as reported. 
Per the law When a consumer submits an identity theft report ( which includes a valid FTC identity theft report and or police report ), the credit reporting agency must : 1. Block the fraudulent information within 4 business days of receiving the report and identifying information.

2. Notify the furnisher that the item has been blocked.

3. Not reinvestigate or forward your identity theft documents to the furnisher unless one of the narrow exceptions applies ( such as proof of fraud by the consumer ).

4. Provide notice within 5 business days if they decline or rescind a block, stating the specific reason and supporting evidence.

By failing to block That's a direct violation. When a consumer supplies an identity theft report, you are required to block the item - not verify it with the furnisher.

Also If Experian believed my report was invalid or refused to block, they were required to give written notice within 5 business days explaining why ( e.g., " we believe the report was fraudulent, '' " we couldn't verify your identity, '' etc. ).

The letter contains no such explanation- it just savs the furnisher " verified '' the item.

& Violation : FCRA 605B ( c ) ( 2 ) - no proper written notice of denial.

Also here is What Lenders Must Provide to Rebut Identity Theft If they want the CRA to reinsert an account despite your FTC/police report, the lender must provide : 1.Signed account application 2.Identity verification documents 3.Transaction/payment history 4.Correspondence confirming account setup 5. Evidence date-stamped and traceable 6.Certification of authenticity Why It Matters?

1.Proves consumer consent 2.Confirms it was opened by the right person 3.Shows account activity was legitimate 4.Corroborates consumer 's intent 5.CRA can evaluate authenticity 6.CRA relies on this legally Experian failed to provide these or give an explanation other than furnisher verified Ok how? What did they submit to determine my theft Claim was invalid Experian is guilt of Failure to Protect You from Continued Furnisher Contact ( 1681b ( b ) / 605B ( d ) ) Under 605B ( d ), once i submit an identity theft report, the CRA must ensure that the fraudulent item is not reinserted without certification and notice.

By allowing the furnisher to verify it as accurate, Experian effectively reinserted or failed to suppress fraudulent data- another violation.

- Violation : FCRA 605B ( d ) - failure to prevent reinsertion of fraudulent data.

The Cfpb has fined Experian for conducting SHAM investigations and it seems that either they are incompetent or willfully negligent.

Furthermore I want to further assert that the Fair Credit Reporting Act ( FCRA ) applies universally to all consumer reporting agencies ( CRAs ) and imposes the same duties under 15 U.S.C. 1681c-2 ( a ) ( c ) and 1681i ( a ) ( 5 ) ( B ). I want to note that other CRAs complied with these obligations by properly blocking the same fraudulent account and have not reinserted it. In contrast, Experian chose to disregard these protections, refusing to block and later reinserting the very account that was previously determined fraudulent.

I question whether Experian operates under internal policies or procedures that conflict with or override the FCRAs mandatory identity theft protections. If the furnisher provided identical documentation to all three CRAs, there is no lawful justification for Experian to determine the theft claim was invalid while the other CRAs found it valid. This inconsistency demonstrates Experians willful and negligent noncompliance with the FCRA and a reckless disregard for my federally protected rights.

Account : XXXX I submitted a written dispute to Experian regarding an account reported by XXXX, which I identified as fraudulent. Along with the dispute, i provided a valid FTC Identity Theft Report and a police report in accordance with 15 U.S.C. 1681c-2 ( a ) ( FCRA 605B ).

As a result, Experian removed or blocked the XXXX account from my credit file, thereby acknowledging the account as the result of identity theft. 

Subsequently, a substantially identical account derived from the same fraudulent debt was re-reported on my Experian credit report under a different furnisher name, XXXX XXXX XXXX, which had purchased or otherwise acquired the same fraudulent account. 

Experian failed to provide me with written notice of any reinsertion of this information within five ( 5 ) business days as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ), and failed to obtain a proper certification of accuracy from the furnisher as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ).

Experians actions constitute willful and/or negligent violations of the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681c-2 ( c ), 1681i ( a ) ( 5 ) ( B ), and 1681e ( b ), by reintroducing or permitting the reinsertion of information previously deleted or blocked as the result of identity theft.

As a direct and proximate result of Experians unlawful actions, i have suffered harm, including but not limited to emotional distress, loss of credit opportunities, and other damages recoverable under 15 U.S.C. 1681n and 1681o I suffered harm by being denied a home application because of this neglect of law.

Lvnv is alo violating my rights.

LVNVs Own Liability ( Furnisher Violation ) LVNV may also be liable under FCRA 623 ( a ) ( 6 ) for reporting information they knew or should have known was the result of identity theft especially since I had already submitted theft documentation to XXXX  or the bureaus This is my final demand attempt to give Experian an opportunity to stand on the right side of the law before we go to federal court and I provide everything showing I gave them chances to fix it and the different blatant violations and disregard of FCRA law and seek monetary compensation by trial by Jury with all exhibits of this issue.

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