Consumer complaint received 2025-08-21 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Date : [ Insert Todays Date ] Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX Re : Follow-Up Complaint Experians Willful FCRA Violations and Ongoing Refusal to Comply CFPB Complaint # : XXXX Account in Dispute : XXXX XXXX XXXX XXXX ( Acct # XXXX ) To Whom It May Concern, I am submitting this follow-up escalation regarding my existing complaint against Experian Information Solutions , Inc .

Despite my initial CFPB complaint, Experian has continued to violate the Fair Credit Reporting Act ( FCRA ) by refusing to remove a fraudulent and reinserted account and by ignoring multiple legal obligations.

Ongoing Violations by Experian Unlawful Reinsertion ( 1681i ( a ) ( 5 ) ( B ) ( ii ) ) Experian reinserted the XXXX XXXX XXXX XXXX account without providing the required written notice or supporting documentation within 5 business days.

Failure to Block Fraudulent Account ( 1681c-2 ( a ) / 605B ) Despite receiving my FTC Identity Theft Report, notarized affidavit, ID, and proof of address, Experian has refused to permanently block the fraudulent account.

Failure to Conduct Reasonable Reinvestigation ( 1681i ( a ) ( 1 ) ( A ) ) No reasonable reinvestigation was conducted, and Experian continues to claim the account is verified without valid documentation.

Failure to Provide Full File Disclosure ( 1681g ( a ) ( 1 ) ) I formally requested disclosure of all documents, records, and communications used to verify the account. Experian has not complied.

Failure to Provide Source of Information ( 1681h ( a ) ( 1 ) ( B ) ) Experian has refused to identify the exact furnisher, employee, department, or contact information relied upon in its so-called verification.

Failure to Ensure Accuracy ( 1681e ( b ) ) By knowingly continuing to report fraudulent data, Experian is failing to maintain maximum possible accuracy of my file.

Requested Action from CFPB I respectfully request that the CFPB take the following actions : Open an immediate investigation into Experians handling of my disputes.

Compel Experian to permanently delete and block the fraudulent XXXX XXXX XXXX XXXX account.

Require Experian to provide me with full file disclosure and source information as mandated by 1681g ( a ) ( 1 ) and 1681h ( a ) ( 1 ) ( B ).

Impose maximum penalties for Experians willful noncompliance under 1681n and negligent violations under 1681o.

Conclusion Experians refusal to follow federal law is deliberate and retaliatory. Their continued misconduct not only harms me but also undermines consumer protections intended by Congress under the FCRA.

I urge the CFPB to enforce the law and hold Experian accountable for its repeated and ongoing violations. 

Sincerely, XXXX XXXX XXXX Enclosures ( copies ) : Original CFPB Complaint ( # XXXX ) FTC Identity Theft Report ( # XXXX ) Notarized Affidavit of Identity Government-Issued ID & Social Security Card 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