Consumer complaint received 2025-07-10 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: AL

Complaint narrative:
I am filing this complaint because Experian has repeatedly and willfully failed to correct my credit report, despite overwhelming and irrefutable evidence of identity theft, mail fraud, and legal dismissals of alleged debts. Their recent dispute results, received on XX/XX/XXXX, are a clear indication of a " sham investigation '' and a blatant disregard for their obligations under the Fair Credit Reporting Act ( FCRA ). 

A. The Core Issue : XXXX XXXX A Debt You Know is Uncollectible, Yet Still Report The most egregious example is the XXXX XXXX account ( Account No. XXXX ). Experian 's recent dispute result states, " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. '' This is a false and misleading verification. 

Here are the facts Experian has ignored : Your Own Lawsuit Dismissed : XXXX XXXX XXXX XXXX initiated a lawsuit against me ( Case No. XXXX ). However, after I provided evidence of forged signatures and improper service, XXXX XXXX voluntarily dismissed their complaint without prejudice on XX/XX/XXXX. 

Admission of " Uncollectible Nature '' : XXXX XXXX 's own attorney, XXXX XXXX XXXX XXXX, XXXX, explicitly confirmed this dismissal via email on XX/XX/XXXX, stating it was due to the " uncollectible nature '' of the case and that they would " not anticipate them pursuing anything further in the future ''. This is a direct admission from the furnisher that the debt is not legitimately collectible. 

Blatant Inaccuracies : Despite this, Experian continues to report this account with severe inaccuracies : Contradictory Dates : The report states the account was opened on XX/XX/XXXX, yet the last payment date is listed as XX/XX/XXXX. It is impossible to make a payment before an account is opened. 

Incomplete Account Number : The account number is incomplete ( XXXX ), hindering proper identification and validation. 

Continued Interest Accrual : Interest continues to be added to the account even after it was charged off and the lawsuit was dismissed. 

Experian 's " verification '' of this account as " accurate '' is a direct contradiction of objective legal facts and the furnisher 's own admission. This is not a reasonable reinvestigation. 

B. Failure to Block Identity Theft Information A Federal Mandate Ignored I am a documented victim of identity theft and mail fraud. I provided Experian with " proper documentation '' as required by the FCRA, including : A formal police report ( CR # XXXX ) filed with the XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, explicitly detailing identity fraud and forged signatures. 

Confirmation of identity theft from the Ohio Attorney General 's Office ( File # : XXXX ) on XX/XX/XXXX. 

A USPS Tort Claim documenting how a postal employee forged my signature on certified mail for multiple lawsuits ( including XXXX XXXX ), leading to default judgments without my knowledge. 

XXXXXXXX XXXX XXXX  own fraud resolution letter confirming a XXXX XXXX account ( XXXX ) was not opened by me, and that they notified all major credit bureaus ( including Experian ) for removal. 

A signed settlement agreement with XXXX XXXX XXXX ( Case No. XXXX ) where they explicitly agreed to request deletion of their tradeline from credit reporting agencies. 

Under 15 U.S.C. 1681c-2, Experian is legally mandated to block all fraudulent accounts from my credit report within four business days of receiving such documentation. Experian 's continued reporting of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX as " Remains '' or " Verified and Updated '' is a direct and willful violation of this federal law. Their boilerplate response to contact the creditor directly for identity theft claims is an attempt to offload their statutory duty. 

C. Persistent Inaccuracies and Privacy Violations Experian continues to report other demonstrably inaccurate personal information : Illegally Published Sealed Address : Despite a Judge 's Order to Seal my address from case XXXX XXXX XXXX XXXX ( dated XX/XX/XXXX ), Experian continues to publish and display my sealed address on my credit report. This is a direct violation of my privacy rights and your duty to ensure maximum possible accuracy and prevent reporting of legally restricted information ( 15 U.S.C. 1681e ( b ) ). 

Incorrect Previous Address : My report lists " XXXX XXXX XXXX XXXX OH, XXXX '' as a previous address, which has never been mine. 

Inaccurate Employment Information : The report lists " XXXX XXXX XXXX '' under my employment history, which is false. 

D. Pattern of Repeated Disputes and Experian 's Systemic Failures I have filed multiple, repeated disputes with Experian regarding these fraudulent entries and inaccuracies. Each time, Experian has failed to conduct a reasonable investigation, instead providing superficial " verifications '' that ignore the compelling evidence I provide. This aligns with documented systemic failures and " sham investigations '' for which Experian has faced enforcement actions by the CFPB. The speed of the recent dispute results further indicates an inadequate review process. 

E. Hindrance by XXXX XXXX Compounding these issues, XXXX has refused to allow me to access my credit report, directing me to a phone number that promises a fix but never delivers. This further obstructs my ability to monitor and correct my credit file, highlighting systemic issues within the credit reporting industry. 

V. Harm Suffered : Experian 's willful non-compliance has caused me severe and ongoing harm : Financial Hardship : My credit score has been severely damaged ( FICO 519 ), leading to loan denials, higher interest rates, and rejection for housing or insurance, [ ], [ ]. I have incurred {$24000.00} in legal fees and spent 36 hours of personal time fighting these fraudulent accounts and your agency 's failures. 

Emotional Distress : The prolonged ordeal has caused immense and prolonged emotional distress, anxiety, and fear, affecting my mental health beyond belief and causing fear of losing my home and daughter. This is a direct and compensable harm under the FCRA.

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