Consumer complaint received 2025-09-19 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:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX  XXXX Washington , DC XXXX Subject : Formal Complaint Against XXXX Failure to Remove Fraudulent Information After Identity Theft To Whom It May Concern : I am writing to file a formal complaint against XXXX  XXXX XXXX, XXXX for failure to comply with federal law regarding the reporting of fraudulent and inaccurate information on my consumer credit report. my identity was stolen. I immediately took all appropriate actions : I filed an Identity Theft Report with the FTC ( Case No.has numerous case numbers I filed a police report with the XXXX Police report I provided these documents, along with supporting evidence, to all three major credit reporting agencies.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, a consumer reporting agency is required to block any information that the consumer identifies as resulting from identity theft not later than 4 business days after receiving : Proof of the consumers identity, A copy of an identity theft report, The identification of fraudulent information, and A statement that the information is not related to any transaction by the consumer. Since XXXX  was the originator of the breach, but Im not sure what was the cause of my identity theft they have complied and removed the fraudulent information from my credit file. However, XXXX XXXX, which shows the lowest score and is the most inaccurate, and my name is not even correct and experience has refused to comply and continues to report negative information, including a false late payment on my mortgage account, which has severely harmed my credit and prevented me from obtaining credit for the past seven months. 
This is a direct violation of the FCRA and has caused me financial harm, stress, and reputational damage. I have fulfilled every fiduciary responsibility as required by law, and I should not be forced to repeatedly resubmit documentation. 
I am demanding that the CFPB enforce compliance and order XXXX  to : Immediately remove the fraudulent and inaccurate information from my credit report, Correct my credit file to reflect accurate information, and Provide written confirmation of the removal. 
If XXXX continues to willfully ignore the FCRA, I will pursue legal remedies, including but not limited to civil action under 15 U.S.C. 1681n and 1681o for damages, attorneys fees, and costs.

I respectfully request immediate assistance from the CFPB to hold XXXX accountable for their unlawful reporting practices. Please find attached all supporting documents, including my FTC report, police report, and correspondence with XXXX.

Thank you for your urgent attention to this matter. 
Sincerely, 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