Consumer complaint received 2025-09-26 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: IL

Complaint narrative:
Experian created a new dispute file under my Experian account and on XX/XX/year> they contacted me directly by email demanding that I resubmit documentation that I had already provided in order for them to block and delete the remaining fraudulent XXXX XXXX account # XXXX. This demand was improper as I have already submitted a valid FTC Identity Theft Report, proof of identification and all supporting documentation with my original Identity Theft dispute to Experian via certified mail with return receipt, which Experian received on XX/XX/year> ( a copy of the return receipt is attached to this complaint ). I also submitted this same documentation through the CFPB Complaint Portal under Complaint ID # XXXX from XX/XX/year> for their failure to block and delete all reported fraudulent accounts within the XXXX business day timeframe. 

Despite this, Experian is attempting to force me to resubmit the same documents, which constitutes a bad-faith tactic to delay compliance, reset statutory timelines, and evade its obligations under FCRA 605B, 15 U.S.C. 1681c-2. In addition, as I previously stated in CFPB Complaint ID # XXXX, Experian illegally reinserted the previously blocked and deleted fraudulent XXXX XXXX  account without providing the legally required written notice in the mail within XXXX business days and without providing the furnishers certification and all other relevant documentation, communications and evidence establishing that the account was valid and not the result of fraud that I have been requesting. This conduct is a direct violation of FCRA 611, 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Experian is also in violation of FCRA 607 ( b ), 15 U.S.C. 1681e ( b ), by failing to follow reasonable procedures to assure maximum possible accuracy. This fraudulent XXXX XXXX account remains deleted with the other credit reporting agencies, which confirms that Experians reporting is inaccurate and demonstrates its failure to maintain proper procedures. These violations are not isolated. They mirror the same systemic failures and noncompliance that the CFPB is currently litigating against Experian, including failure to conduct proper investigations, failure to block identity theftrelated information, and improper reinsertion of disputed accounts without certification or notice. This ongoing pattern of disregard for the law and for consumer rights is especially concerning given Experians existing regulatory scrutiny. As a direct result of Experians willful and negligent violations of the FCRA, I have suffered concrete harm, including denials of rental housing and credit card applications ( supporting documentation attached ), as well as emotional distress, reputational injury, and the loss of significant time and resources in pursuing disputes and complaints. 
As of today, Experian has not responded to my complaint ID through the CFPB complaint portal. 
Instead, Experian has once again contacted me directly by email, repeating the same improper demand that I " resubmit '' documents which were already provided on XX/XX/year>, via certified mail with return receipt and submitted through the CFPB Complaint portal filed on XX/XX/XXXX under Complaint ID # XXXX. 
Experian 's failure to acknowledge or respond to the CFPB complaint portal while simultaneously sending me duplicate off-channel email requests demonstrates bad faith and a clear attempt to delay compliance with FCRA 605B. Their actions show they are not engaging with the complaint as required through CFPB 's official process. I request that the CFPB take notice of Experian 's refusal to respond through the portal, and of their repeated improper requests for documents already in their possession.

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