Consumer complaint received 2025-12-15 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: GA

Complaint narrative:
XX/XX/XXXX VIA CERTIFIED MAIL and CFPB XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX Re : Formal FCRA dispute and demand for correction of inaccurate and fraudulent credit reporting To Whom It XXXX Concern : This correspondence is a formal dispute of inaccurate and fraudulent information appearing in my consumer report and a demand for correction, deletion, and full compliance with federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., its implementing Regulation V, the Federal Trade Commission ( FTC ) regulations and guidance, and the Consumer Financial Protection Bureau ( CFPB ) guidance governing the investigation of credit reporting disputes and identity theft. 

Background And Nature Of Dispute My consumer report currently reflects XXXX or more accounts, tradelines, or derogatory items that do not belong to me and/or are the result of identity theft, as detailed in the attached list and documentation. I did not open, authorize, or benefit from these accounts or transactions, and I have already filed an identity theft report with the appropriate authorities and with the FTC, and I am providing copies of my FTC Identity Theft Report, police report ( if applicable ), and proof of identity. 

These inaccurate entries are causing substantial harm, including damage to my credit reputation, denial or less favorable terms of credit, and other financial and personal injuries. You are now on notice that this information is disputed and that I assert my rights as an identity theft victim and as a consumer under federal law. 

FCRA Duties To Assure Accuracy And Conduct A Reasonable Investigation Under the FCRA, consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report about consumers, and must conduct a reasonable reinvestigation of disputed information when notified by a consumer. This includes the duty to review all relevant information provided by the consumer, to communicate the dispute to the furnisher of the information, and to delete or correct information that can not be verified as accurate. 

CFPB supervisory guidance and circulars reiterate that both consumer reporting agencies and furnishers can face liability under the FCRA when they fail to conduct reasonable investigations of consumer disputes or create barriers to the submission of disputes. Federal regulators have emphasized that you must not ignore, summarily reject, or parrot verify disputed information without a genuine, reasonable investigation that considers the evidence submitted by the consumer. 

Identity Theft and FCRA XXXX Blocking Rights Because the disputed information results from identity theft, I am invoking my rights under FCRA XXXX ( XXXX U.S.C. XXXX ), which provides that a consumer reporting agency must block the reporting of information that the consumer identifies as resulting from identity theft when the consumer submits : ( XXXX ) appropriate proof of identity, ( XXXX ) a copy of an identity theft report, and ( XXXX ) an identification of the fraudulent information. Section 605B requires the credit reporting agency to block this information within a short timeframe after receiving the required documentation and to notify the furnisher that the information has been blocked due to identity theft. 

Your failure to promptly block and remove these identitytheftrelated items after receiving proper documentation would constitute a violation of FCRA 605B and related FTC and CFPB guidance for identity theft victims. Courts have recognized that identity theft victims have a private right of action against furnishers and reporting agencies that fail to conduct a reasonable investigation and continue reporting fraudulent accounts, and regulators have supported consumers in such actions. 

Case Law Regarding Failure To Investigate And Identity Theft Federal courts have repeatedly held that when a consumer disputes items on a credit report, the FCRA requires furnishers and agencies to conduct a reasonable investigation, and failure to do so can give rise to liability for actual, statutory, and punitive damages. In recent appellate decisions involving allegations of identity theft, courts have focused on whether the furnisher and agencies reasonably investigated the consumers identity theft claim and whether they deleted or corrected information that could not be verified as belonging to the consumer. These decisions make clear that ignoring consumerprovided identity theft affidavits and supporting evidence, or simply confirming the debt with the original furnisher without deeper inquiry, is insufficient. 

By persisting in reporting fraudulent information after clear notice of identity theft and a dispute, and by failing to conduct a reasonable reinvestigation, a credit reporting agency and any involved furnisher violate their statutory duties under 15 U.S.C. 1681i and 1681s2 and can be held liable in a private civil action. 

Fraudulent, Unverified Accounts or Inaccurate XXXX Credit card ( Unverified/Fraudulent ) Creditor : XXXX | Account no. : XXXX | Type : Credit card ( revolving ) | Date opened : XX/XX/XXXX | Last payment : XX/XX/XXXX | Status/last update : Status updated XX/XX/XXXX ; balance updated XX/XX/XXXX | Credit limit : {$4000.00} | Amount in default : {$170.00} past due ; current balance {$2100.00} | Notes on report : Open. {$170.00} past due as of XX/XX/XXXX. XXXX and XXXX late history and comment Completed investigation of FCRA dispute consumer disagrees. 

XXXX Credit card ( Unverified/Fraudulent ) Creditor : XXXX | Account no. : XXXX | Type : Credit card ( revolving ) | Date opened : XX/XX/XXXX | Last payment : XX/XX/XXXX | Status/last update : Status updated XX/XX/XXXX ; balance updated XX/XX/XXXX | Credit limit : {$500.00} | Amount in default : {$200.00} past due ; current balance {$2400.00} | Notes on report : Open. {$200.00} past due as of XX/XX/XXXX, with XXXX and XXXX late history. 

XXXX Credit card ( XXXX XXXX Creditor : XXXX | Account no. : XXXX | Type : Credit card ( revolving ) | Date opened : XX/XX/XXXX | Last payment : XX/XX/XXXX | Status/last update : Status updated XX/XX/XXXX ; balance updated XX/XX/XXXX | Credit limit : {$500.00} | Amount in default : {$26.00} past due ; current balance {$600.00} | Notes on report : Open. {$26.00} past due as of XX/XX/XXXX with a XXXX late and comment XXXX line suspended. 

XXXX XXXX XXXX multiple education loans ( Inaccurate/ Never Late ) Each of the following tradelines is reported with : Status Open. Deferred, payments begin XX/XX/XXXX, last payment XX/XX/XXXX, status updated XX/XX/XXXX, balances updated XX/XX/XXXX, and a XXXX late notation in XX/XX/XXXX, with the comment Completed investigation of FCRA dispute consumer disagrees. 

( XXXX ) Account no. : XXXX | Date opened : XX/XX/XXXX | XXXX balance : {$2200.00} | Current balance : {$2600.00} | XXXX currently past due : {$0.00}. 
( XXXX ) Account no. : XXXX | Date opened : XX/XX/XXXX | XXXX balance : {$4500.00} | Current balance : {$5300.00} | XXXX currently past due : {$0.00}. 
( XXXX ) Account no. : XXXX | Date opened : XX/XX/XXXX | XXXX balance : {$2000.00} | Current balance : {$2700.00} | XXXX currently past due : {$0.00}. 
( XXXX ) Account no. : XXXX | Date opened : XX/XX/XXXX | XXXX balance : {$2700.00} | Current balance : {$3100.00} | XXXX currently past due : {$0.00}. 
( XXXX ) Account no. : XXXX | Date opened : XX/XX/XXXX | XXXX balance : {$2000.00} | Current balance : {$3400.00} | XXXX currently past due : {$0.00}. 
( XXXX ) Account no. : XXXX | Date opened : XX/XX/XXXX | XXXX balance : {$3500.00} | Current balance : {$4000.00} | XXXX currently past due : {$0.00}. 
( XXXX ) Account no. : XXXX | Date opened : XX/XX/XXXX | XXXX balance : {$4500.00} | Current balance : {$5200.00} | XXXX currently past due : {$0.00}. 
( XXXX ) Account no. : XXXX | Date opened : XX/XX/XXXX | XXXX balance : {$720.00} | Current balance : {$820.00} | XXXX currently past due : {$0.00}. 
( XXXX ) Account no. : XXXX | Date opened : XX/XX/XXXX | XXXX balance : {$1500.00} | Current balance : {$2700.00} | XXXX currently past due : {$0.00}. 
( XXXX ) Account no. : XXXX | Date opened : XX/XX/XXXX | XXXX balance : {$2000.00} | Current balance : {$2700.00} | XXXX currently past due : {$0.00}. 
( XXXX ) Account no. : XXXX | Date opened : XX/XX/XXXX | XXXX balance : {$1000.00} | Current balance : {$1200.00} | XXXX currently past due : {$0.00}. 

XXXX XXXX Credit card ( charged off ) ( Unverified/Fraudulent ) Creditor : XXXX XXXXXXXX | Account no. : XXXX | Type : Credit card | Date opened : XX/XX/XXXX | Last payment : XX/XX/XXXX | Status/last update : Status updated XX/XX/XXXX ; balance updated XX/XX/XXXX | Credit limit : {$300.00} | Amount in default : {$1500.00} charged off/written off ; balance {$1500.00} ; past due {$1500.00} | Notes on report : Account charged off. {$1500.00} written off. {$1500.00} past due as of XX/XX/XXXX. Comments : Account closed at credit grantors request ; Account previously in dispute investigation complete, reported by data furnisher. 

FIRST XXXX BANK Credit card ( charged off ) ( Unverified/Fraudulent ) Creditor : FIRST PREMIER BANK | Account no. : XXXX | Type : Credit card | Date opened : XX/XX/XXXX | Last payment : XX/XX/XXXX | Status/last update : Status updated XX/XX/XXXX ; balance updated XX/XX/XXXX | Credit limit : {$400.00} | Amount in default : {$620.00} charged off ; balance {$620.00} ; past due {$620.00} | Notes on report : Account charged off. {$620.00} written off. {$620.00} past due as of XX/XX/XXXX. Comment : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

XXXX BANK XXXX Credit card ( charged off ) ( Unverified/Fraudulent ) Creditor XXXX XXXX XXXX XXXXXXXX XXXX Account no. : XXXX | Type : Credit card | Date opened : XX/XX/XXXX | Last payment : XX/XX/XXXX | Status/last update : Status updated XX/XX/XXXX ; balance updated XX/XX/XXXX | Credit limit : {$550.00} | Amount in default : {$860.00} charged off ; balance {$860.00} ; past due {$860.00} | Notes on report : Account charged off. {$860.00} written off. {$860.00} past due as of XX/XX/XXXX. 

XXXX XXXX Credit card ( charged off ) ( Unverified/Fraudulent ) Creditor : XXXX XXXX | Account no. : XXXX | Type : Credit card | Date opened : XX/XX/XXXX | Last payment : XX/XX/XXXX | Status/last update : Status updated XX/XX/XXXX ; balance updated XX/XX/XXXX | Credit limit : {$600.00} | Amount in default : balance {$140.00} ; past due {$140.00} ( chargedoff ) | Notes on report : Account charged off. {$140.00} past due as of XX/XX/XXXX. Comment : Account closed at credit grantors request. 

XXXX XXXX BANK Credit card ( charged off entry XXXX ) ( Unverified/Fraudulent ) Creditor : XXXX XXXX BANK | Account no. : [ not fully shown ] | Type : Credit card | Date opened : XX/XX/XXXX | Last payment : XX/XX/XXXX | Status/last update : Status updated XX/XX/XXXX ; balance updated XX/XX/XXXX | Credit limit : {$500.00} | Amount in default : {$260.00} written off ; balance {$440.00} ; past due {$440.00} | Notes on report : Account charged off. {$260.00} written off. {$440.00} past due as of XX/XX/XXXX. Comment : Account closed at credit grantors request. 

XXXX XXXX BANK Credit card ( charged off entry XXXX ) ( Unverified/Fraudulent ) Creditor : XXXX XXXX BANK | Account no. : [ not fully shown ] | Type : Credit card | Date opened : XX/XX/XXXX | Last payment : XX/XX/XXXX | Status/last update : Status updated XX/XX/XXXX ; balance updated XX/XX/XXXX | Credit limit : {$500.00} | Amount in default : {$140.00} written off ; balance {$300.00} ; past due {$300.00} | Notes on report : Account charged off. {$140.00} written off. {$300.00} past due as of XX/XX/XXXX. Comment : Account closed at credit grantors request. 

Violations Alleged To the extent you have failed to : I. XXXX a reasonable reinvestigation of my dispute, XXXX. Review all relevant information that I have provided, XXXX. Communicate my dispute accurately to the furnisher ( XXXX ), XXXX. XXXX identitytheftrelated information after receiving the required documentation, and/or V. Delete or correct information that can not be verified as accurate, You are in violation of the FCRA, XXXX but not limited to 15 U.S.C. 1681e ( b ), 1681c2, and 1681i, as well as applicable CFPB and FTC regulations and guidance. Continued reporting of fraudulent and inaccurate information after notice of identity theft also constitutes willful or negligent noncompliance with the FCRA, exposing you to civil liability. 

Demands For Correction And Specific Relief Accordingly, I demand that you : I. XXXX a thorough, reasonable reinvestigation of each disputed item listed in my attached schedule, including review of all documents I have provided. 
XXXX. XXXX, delete, and permanently remove from my consumer report all tradelines, accounts, inquiries, or derogatory items that are the result of identity theft or can not be verified as accurate as to me. 
XXXX. Provide me with an updated copy of my consumer report showing the removal or correction of all disputed items. 
IV. Provide a written description of the procedures used in your reinvestigation, including the entities you contacted, information reviewed, and the basis for your conclusions, as permitted under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 
XXXX XXXX from reinserting any deleted items in my file unless you fully comply with the FCRAs reinsertion requirements, including proper notice. 

These actions should be completed within the statutory reinvestigation period, generally 30 days from your receipt of this dispute ( or shorter blocking timelines as applicable under XXXX ), and you should provide written confirmation to me at the address above. 

Notice Of Potential Litigation And Damages Please treat this letter as both a dispute under the FCRA and a prelitigation demand. If you fail to comply with the obligations described above, continue to report inaccurate or identitytheftrelated information, or otherwise refuse to correct and block the disputed items, you XXXX be liable for : I. Actual damages, including but not limited to credit denials, higher interest rates, and emotional distress. 
XXXX. Statutory damages for willful violations under XXXX XXXX. XXXX. 
XXXX. XXXX fees and costs. 
IV. Punitive damages where appropriate, particularly for reckless or knowing disregard of consumer rights. 

Federal regulators, including the CFPB and FTC, have expressly warned that consumer reporting agencies and furnishers can face enforcement actions and civil liability for failure to reasonably investigate disputes and properly address identity theftrelated information. If you do not resolve this matter within the time provided by law, I reserve all rights to pursue legal remedies in court, including filing suit against you and any furnishers involved in these inaccuracies for violations of the FCRA and related consumer protection statutes. 

Documents enclosed I am enclosing the following, and you must review each item as part of your investigation : Copy of governmentissued identification Proof of current address Copy of my FTC Identity Theft Report A list of each disputed tradeline, including creditor name, account number ( redacted ), and why the item is inaccurate or fraudulent Any additional supporting documentation showing that the accounts or transactions are not mine Please confirm in writing, at the address listed above, that you have received this dispute, initiated a reinvestigation, blocked and removed any identitytheftrelated information pursuant to FCRA 605B, and corrected all inaccurate information. Retain this letter and all attachments in your files, as they will be used as evidence of your notice and your response in any future regulatory complaint or civil litigation. 

Sincerely, XXXX XXXX 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