Consumer complaint received 2025-05-10 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: MO

Complaint narrative:
To : Experian XXXX. XXXX XXXX XXXX, TX XXXX CC : Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX Washington XXXX DC XXXX Federal Trade Commission ( FTC ) Consumer Response Center XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Subject : Formal Complaint & Demand for Immediate Deletion of Fraudulent Account XXXX XXXX ( Identity Theft and FCRA Violations ) To Whom It May Concern, I am writing to file a formal complaint and demand for immediate deletion of the fraudulent XXXX XXXX account that appears on my Experian credit report. This letter also serves as an official request for investigation by the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) into Experians repeated and willful failure to comply with federal law under the Fair Credit Reporting Act ( FCRA ), despite having received clear and convincing evidence of identity theft and fraud. 

I submitted a detailed Identity Theft Report and supporting documentation in accordance with 15 U.S. Code 1681c-2, clearly identifying the XXXX XXXX account as the result of identity theft perpetrated by a car dealership finance XXXX who unlawfully used my personal information to obtain financing without my consent. 

In accordance with the FCRA, Experian was required to block the reporting of this information within four ( 4 ) business days of receiving : Proper identification A copy of the Identity Theft Report Identification of the fraudulent account A statement from me affirming that the information does not relate to any transaction I authorized Cited Law : 15 U.S.C. 1681c-2 ( a ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt of [ required documentation ].

The law is clear : the reporting agency must block the disputed account immediately upon receipt of the Identity Theft Report and other required informationnot after an investigation is completed. The FCRA does not permit a delay in blocking the disputed information pending a lengthy reinvestigation process. Doing so defeats the purpose of the statute and causes ongoing and unjustified harm to consumers like myself, particularly in matters involving credit access, interest rates, and reputational damage. 

By continuing to report this fraudulent XXXX XXXX account more than two weeks after receiving my complete Identity Theft Report, Experian is in direct violation of federal law and is causing me significant financial harm and irreparable damage to my credit reputation.

Summary of Documentation Provided : Identity Theft Report ( law enforcement filed ) Written dispute and statement of unauthorized activity Email from the dealership manager acknowledging the fraud Rejected settlement offer from the dealership ( due to further harm and insufficient compensation ) Despite these materials, Experian has repeatedly claimed that the XXXX XXXX account is being reported accurately. This response is not only false, but also constitutes a failure to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and a failure to provide the method of verification under 1681i ( a ) ( 6 ).

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) If the reinvestigation finds the information to be accurate, the agency must provide a description of the procedure used to determine the accuracy, including the name, contact information, and documents relied upon. 

To this date, Experian has failed to respond to my repeated and lawful requests for : The method of verification used The name and department of the person or entity contacted The date and time of the communication Documentation provided to support continued reporting The FCRA mandates that such information be furnished within XXXX business days of the completion of an investigation. XXXX failure to provide this is another violation of 1681i ( a ) ( 6 ).

Legal Consequences and Demand for Compliance : Under 15 U.S.C. 1681n and 1681o, I am entitled to recover statutory damages of up to {$1000.00} per violation, in addition to actual damages and punitive damages for willful noncompliance. I have disputed this account more than 20 times, and each of Experians noncompliant responses constitutes a separate actionable violation. 

I therefore demand : Immediate deletion of the XXXX XXXX account from my credit report Written confirmation of deletion within XXXX business days A detailed report to the CFPB and FTC explaining your failure to act lawfully If Experian does not comply with these demands, I am prepared to pursue all available legal remedies, including a lawsuit in federal court to recover over {$20000.00} in damages and injunctive relief. 

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