Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Updated Complaint Against Experian for FCRA Violations, Financial Damages, and Ongoing Mishandling of Fraud Dispute Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting this updated complaint against Experian Information Solutions , Inc., regarding the ongoing failure to resolve fraudulent information on my credit report, despite previous attempts to address this matter. The continued mishandling of my dispute has resulted in significant financial harm and emotional distress, as outlined below. 

Background and New Information : Initial Fraud Dispute : On XX/XX/year>, I disputed a fraudulent XXXX XXXX account on my credit report. I provided the required documentation : a FTC Identity Theft Report and drivers license, both showing my current address. 

Despite confirming receipt of these documents during my call with XXXX, Experian failed to remove the fraudulent account from my credit report as promised. I was assured that the account would be removed within XXXX business days, but it was not. 

Contradictory Information and Ongoing Mistakes : On XX/XX/year>, I contacted XXXX from Experians fraud department. During this conversation, he made contradictory statements about the documents I submitted. He claimed that he could not verify my identity, despite XXXX confirmation on XX/XX/XXXX. This discrepancy caused further delays in resolving my dispute. 

XXXX also falsely stated that the issue was due to an incorrect address on my file, even though I had submitted a valid drivers license and FTC report, both of which verified my current address. 

Ongoing Damage and Financial Harm : Experians failure to properly resolve this issue has caused me to lose the opportunity to purchase a home for {$480000.00} due to my credit being negatively impacted by the fraudulent account. 

I have had to relocate my family to a hotel at great expense, incurring additional costs for hotel stays, storage fees, and moving expenses. This situation has caused severe emotional distress as I was forced to move my children out of their school district, disrupting their education and further impacting my familys well-being. 

Impact on My XXXX XXXX : As a direct result of Experians failure to resolve this issue, I was unable to renew my lease, and my landlord rented out the property to another family. This forced my family to move into a hotel, which was not within my childrens school district. My children were disrupted from their education, resulting in emotional distress and academic setbacks. 

Damages and Losses : Financial Loss : Loss of Home Purchase Opportunity : I lost the chance to purchase a home due to Experians failure to correct the fraudulent information on my credit report. 

Hotel and Relocation Expenses : Due to the relocation caused by Experians actions, I have incurred significant costs for hotel stays, storage fees, and moving expenses. 

Emotional Distress : The emotional toll of dealing with Experians mishandling of my dispute, combined with the stress of relocating and the disruption of my childrens schooling, has caused severe mental anguish and emotional distress for myself and my family. The disruption to my childrens schooling and the uncertainty surrounding our living situation has affected my familys emotional well-being. 
__________________________________________________ Legal Violations : Failure to Investigate ( Section 1681i ) : Experians failure to conduct a reasonable reinvestigation of my dispute is a violation of FCRA Section 1681i.

Failure to Maintain Accurate Information ( Section 1681e ) : Experian has failed to ensure the accuracy of the information on my credit report, resulting in false and damaging information being reported.

Failure to Correct or Delete Inaccurate Information ( Section 1681i ( a ) ( 5 ) ) : Experians failure to remove or correct the inaccurate information on my credit report is also a violation of FCRA Section 1681i ( a ) ( 5 ).

Failure to Provide Results of Dispute Investigation ( Section 1681i ( b ) ) : Experians failure to provide me with the required results of the dispute investigation violates Section 1681i ( b ).

______________________________________________________ Supporting Evidence : ( I do have all recorded calls due to call size I cant upload to portam but I send via email or share in court ) all calls were recorded Recorded Calls : I have recorded calls from XXXX on XX/XX/XXXX, confirming the successful submission of my dispute documents, and XXXX contradictory statements on XX/XX/XXXX that highlight the inconsistency in how my dispute was handled. 

CFPB Complaints : Previous complaints have been filed with the CFPB regarding this issue, but Experians failure to act on them has resulted in continued harm to my financial and personal well-being. 

XXXX XXXX Documentation : XXXX XXXX XXXX XXXX has verified that I was in the process of purchasing a home, but the failure of Experian to resolve the fraud has caused me to lose this opportunity. 

Demand for Immediate Resolution : Given the financial losses, emotional distress, and failure to resolve the fraudulent dispute, I demand the following : Immediate removal of the fraudulent XXXX XXXX account from my credit report. 

Monetary compensation of {$100000.00} for the financial damages, emotional distress, and increased expenses incurred due to Experians mishandling of my dispute. 

Written confirmation of the steps taken to resolve the issue and correct the errors on my credit report. 
If Experian fails to resolve this matter and provide a fair settlement within 15 business days, I will escalate this issue to XXXX XXXX XXXX XXXX for further legal action and pursue litigation in federal court. 

Thank you for your attention to this matter. 
_____________________________________________ Evidence to support complaints : Recorded Call Transcripts Attach the transcripts ( or recordings, if possible ) of your calls with XXXX ( XX/XX/year> ) and XXXX ( XX/XX/year> ) to show the contradictory statements and how Experian mishandled your dispute. Highlight key moments where they failed to verify documents properly or provided inaccurate information. 

Experian XXXX Transcript - XX/XX/year> ( XXXX ) and Experian Call Transcript - XX/XX/year> ( XXXX ) XXXX. Identity Theft Documents Attach the FTC Identity Theft Report and your drivers license showing your current address. These documents were central to the dispute process and Experian 's mishandling of the information. 

FTC Identity Theft Report - XX/XX/year> and Drivers License - XX/XX/year> XXXX. Previous CFPB Complaints If you have filed any previous complaints through CFPB or other consumer agencies, include the filing details ( or confirmation emails ). This will show Experians repeated failure to resolve the issue in a timely manner. 

CFPB Complaint Details- Previous Submissions XXXX Credit Report Include the latest copy of your credit report showing the fraudulent XXXX XXXX account and incorrect information ( like your address ) that has not been corrected, even after Experian was made aware of it. 

Experian Credit Report - XX/XX/year> ( with XXXX XXXX XXXX Account ) XXXX. Email Correspondence with Experian Attach any emails or written correspondence with Experian related to the dispute, including the identity verification process, their stalling letter from XX/XX/XXXX, and any denial or delay notifications theyve sent you. 

Experian Email Correspondence - Identity Verification and Stalling Letter - XX/XX/year> XXXX. Demand Letter to Experian Include the demand letter ( already prepared ) that clearly states your monetary compensation request and outlines the steps Experian must take to resolve the issue. 

Demand Letter to Experian - XX/XX/year> _________________________________________________________ Attachments : You should attach these documents in the order of their relevance to the complaint. For example : Complaint Letter ( which youve already prepared ). 

Recorded Call Transcripts ( XXXX and XXXX XXXX. 

FTC Identity Theft Report and Drivers License.

Credit Report showing inaccuracies.

Email Correspondence.

Demand Letter to Experian.

______________________________________________ Disclosure of Call Recording : Please be advised that all calls I make to and receive from Experian are recorded as part of a federal program in which I am enrolled. I am currently a participant in the XXXX XXXX XXXX XXXX, which mandates that all communications on my government-issued phone must be recorded for security, safety, and compliance purposes. 

As per the program 's requirements, I am not able to turn off the call recording feature on the device provided to me by the government. These recordings are archived and can be accessed to verify all conversations I have had with Experian or any other party. 

Additionally, as I reside in the state of Georgia, a one-party consent state, no consent from the other party ( Experian representatives ) is required for the call recording. Under Georgia law, only one party ( me, in this case ) needs to be aware of the recording for it to be legally valid. Therefore, all recorded conversations are legal and can be used as evidence in any further proceedings. 

For your reference, these recorded conversations can be provided to Experian, the CFPB, or any other relevant authorities as part of this complaint, as they contain important details related to the mismanagement of my dispute and Experian 's failure to resolve the fraudulent account on my credit report.

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