Consumer complaint received 2025-08-06 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:
I am a documented victim of identity theft and have attached my Federal Trade Commission ( FTC ) Identity Theft Report. Despite my formal disputes, Experian continues to report unauthorized hard inquiries, unverifiable collection accounts, inaccurate student loan reporting, and an unverifiable bankruptcy, in violation of federal law. 

Failure to Reinvestigate ( FCRA 1681i ) : Experian failed to conduct a reasonable reinvestigation of disputed information, leaving inaccurate items unresolved. This mirrors the CFPBs recent lawsuit against Experian for systemic failures, including not forwarding consumer evidence, relying on unreliable responses, and failing to notify consumers of dispute outcomes.

Unauthorized Hard Inquiries ( FCRA 604 ) : Experian has not produced any evidence of my authorization for these inquiries. As a victim of identity theft, continuing to report inquiries without proof of permissible purpose is unlawful.

Collection Account ( FCRA + FDCPA 1692 ) : Experian is reporting collection accounts that are inaccurate and unverifiable. No proper validation ( original agreements or complete account history ) has been provided, as required under federal law.

XXXX XXXX XXXX XXXX XXXX - {$10000.00}, XXXX XXXX XXXX XXXX XXXX XXXX - {$7000.00},, XXXX XXXX XXXX XXXX - {$870.00}, XXXX XXXX XXXX - {$630.00}, XXXX XXXX XXXX XXXX - {$1100.00}, XXXX  XXXX XXXX XXXXXXXX - {$620.00}, XXXXXXXX XXXX XXXX XXXX  {$1500.00}, XXXX XXXX XXXX  - {$660.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} Student Loans ( FCRA + Higher Education Act ) : Experian is reporting inaccurate and unverifiable student loan data. Furnishers must ensure accuracy and completeness, yet these accounts remain unresolved. 
- DpedXXXX XXXX XXXX  {$62000.00} Bankruptcy ( FCRA 607 ( b ), 611 ( a ) ( 5 ) ( A ) ) : Experian is reporting a bankruptcy record that has not been properly verified. XXXX XXXX reliance on thirdparty vendors instead of the actual court fails the maximum possible accuracy requirement under FCRA 607 ( b ). Since Experian can not independently verify this bankruptcy with the court, continued reporting is unlawful. Under 611 ( a ) ( 5 ) ( A ), unverifiable public record information must be deleted. 

Bankruptcy Case No. - XXXX  XXXX Bankruptcy Discharge - Ref XXXX Violations & Damages : Experians continued reporting of unauthorized, inaccurate, and unverifiable information constitutes willful noncompliance with the FCRA and FDCPA. Under FCRA 616617 and FDCPA 813, I am entitled to statutory damages of up to {$1000.00} per violation, in addition to actual damages, punitive damages, and attorneys fees. 

Requested Relief : I am demanding the immediate deletion of the unauthorized inquiries, collection account, inaccurate student loans, and the unverifiable bankruptcy from 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