Consumer complaint received 2025-08-14 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: MS

Complaint narrative:
b'I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act (FCRA), Consumer Financial Protection Act (CFPA), and citing direct violations confirmed by the CFPBs January 2025 lawsuit against EXPERIAN \n\n**I am a victim of malpractice and broken laws based on the 1/2025 lawsuit against EXPERIAN .**And Im also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under: - XXXX  U.S.C.  XXXX   Failure to conduct a reasonable reinvestigation - XXXX  U.S.C.  XXXX(a)(2)  Failure to forward all submitted documentation to furnishers - XXXX  U.S.C.  XXXX(b)  Failure to maintain maximum possible accuracy - XXXX  U.S.C.  XXXXXXXX  Failure to block fraudulent accounts upon identity theft report - XXXX  U.S.C.  XXXX   Identity Theft and Assumption Deterrence Act - FACTA  Fair and Accurate Credit Transactions Act of 2003 - XXXX XXXX Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or Experians data mishandling. \n\nAccounts Reported in Violation of Federal Law \XXXX XXXX XXXX XXXX $ XXXX XXXX/2021 Failure to investigate identity theft (FCRA  XXXX) XXXX XXXX $ XXXX XXXX/2022 Failure to investigate identity theft (FCRA  XXXX) XXXX XXXX XXXX XXXX/2021 Failure to investigate identity theft (FCRA  XXXX) XXXX XXXX  $ XXXX XXXX/2023 Failure to investigate identity theft (FCRA  XXXX) XXXX $ XXXX XXXX/2023 Failure to investigate identity theft (XXXX XXXX) XXXX XXXX $ XXXX XXXX/2022 Failure to investigate identity theft (FCRA  XXXX) XXXX $ XXXX XXXX/2022 Failure to investigate identity theft (FCRA  XXXX) XXXX XXXX $ XXXX/2023 Failure to investigate identity theft (FCRA  XXXX) Accounts reinserted without MOV or consumer notice, XXXX XXXX  violations (codes XXXX), FCRA  XXXX and  XXXX(a)(2) violations Pattern of Misconduct  EXPERIAN  Lawsuit Reference This is not isolated. The CFPB filed suit against EXPERIAN in XXXX  2025 (Case XXXX) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims  the very same \nconduct Im reporting here. I am directly experiencing the same violations as outlined in that case'

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