Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am the victim of identity theft involving a XXXXXXXX XXXX  account that was fraudulently opened in my name. I timely submitted identity-theft documentation, including FTC Identity Theft Reports, police reports, and certified correspondence, to XXXXXXXX XXXX and the consumer reporting agencies. 

Despite this documentation, Experian has repeatedly reinserted the fraudulent XXXXXXXX XXXX tradeline. This has now occurred sixteen ( 16 ) times. 

Experians conduct follows a recurring and deceptive pattern : When I dispute the fraudulent tradeline through Experians online portal ( which I have been forced to do due to active mortgage underwriting ), Experian temporarily removes or suppresses the account. 

When my complaint is forwarded by CFPB or DOJ, Experian responds that the tradeline is not present on the consumers credit report. 

After the regulatory response period, Experian reinserts the same fraudulent tradeline again without new verified evidence. 

This cycle has allowed Experian to avoid addressing the merits of my identity-theft claim while continuing to publish inaccurate information. 

The underlying XXXXXXXX XXXX account is supported only by an incomplete and fraudulent original application that : Does not contain my full legal name Contains only a partial SSN Lacks a valid signature or XXXX  audit trail References an IP address, XXXX XXXX bank account, and phone number that have never been associated with me Was contradicted by inconsistent reporting across credit bureaus I formally disputed this application and every identified defect in writing. XXXXXXXX XXXX later admitted it would take steps to make credit bureaus report the same data, demonstrating that the information was being corrected reactively rather than based on a completed investigation. I have referred to this practice as fix-as-you-go furnishing. 

Despite these facts, Experian continues to characterize the account as verified, relying on XXXX XXXX conclusory responses rather than conducting a reasonable independent investigation as required by law. 

On XX/XX/XXXX, I sent XXXXXXXX XXXX a final certified letter. XXXX XXXX remains actively investigating and has not issued a final determination. Nonetheless, Experian stated Completed investigation of FCRA dispute consumer disagrees, even though the furnishers investigation was still ongoing. 

On XX/XX/XXXX, Experian issued dispute results under Report XXXX. XXXX, marking the XXXXXXXX XXXX account as Verified and Updated, reaffirming a charged-off balance of {$1700.00} and placing it on record through XXXX. This constitutes XXXX # XXXX. 

XXXX, reviewing substantially similar identity-theft documentation, permanently removed this same tradeline and has not reinserted it. Experians opposite treatment demonstrates a failure to follow reasonable procedures. 

I also exhausted my remedies with the FDIC regarding XXXXXXXX XXXX. On XX/XX/XXXX ( XXXX XXXX. XXXX ), the FDIC advised that it found no new information and considers the matter closed. FDIC remedies are therefore exhausted. 

At this point, Experian is knowingly continuing to publish identity-theft information, cycling reinsertions to evade regulatory scrutiny, and refusing to disclose what evidence it claims supports verification of this debt.

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 non-monetary relief