Consumer complaint received 2025-07-12 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Subject : Escalation of Repeated Violations Identity Theft Dispute Mishandling by Experian RE : Experian CFPB Complaints XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB Enforcement Division, I am requesting formal escalation and regulatory enforcement action against Experian Information Solutions, Inc., due to repeated, documented violations of the Fair Credit Reporting Act ( FCRA XXXX and Metro 2 Compliance Standards regarding a fraudulent account from XXXX ( Account ending in XXXX ). 

Despite 10 CFPB complaints, Experian continues to report this fraudulent account, causing serious damage to my credit profile, reputation, and financial standing.

Summary of Experians Violations : 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian refused to block the fraudulent account after receiving valid identity theft reports ( XXXX XXXX  Report # XXXX and FTC Identity XXXX Report # XXXX ). This violates the consumers right to have identity theftbased data permanently blocked within 4 business days.

2. FCRA 611 Experians reinvestigation process has been demonstrably inadequate and ignores documentary evidence. Experian relied solely on the furnishers claims despite : A confirmed deletion request by XXXX XXXX XXXX ( CFPB XXXX # XXXX ). 
An FTC report and sworn affidavit confirming fraud. 
A local police report affirming identity theft. 
Fingerhuts own misattributed contact data ( fraudulent phone # XXXX ). 
3. FCRA 607 ( b ) Experian continues to report inaccurate and unverifiable information, including : A charge-off on a {$0.00} balance. 
No original balance, high balance, or terms listed. 
Conflicting status messages ( purchased by another lender + closed ). 
Delinquency entries ( XXXX ) that never occurred because the account was never mine. 
4. FCRA 623 ( a ) ( 5 ) No Date of First Delinquency ( DOFD ) has been furnished, which is required for all derogatory tradelines that may be used in credit scoring or risk analysis.

5. Metro 2 Format Violations : Inaccurate or missing Base Segment Fields, including XXXX XXXX, XXXX, Payment Rating, and XXXX XXXX XXXX. 
Invalid payment history logic ( XXXX CO on {$0.00} balance ). 
Absence of required reporting flags ( XB or XH ) during active disputes. 
Failure to suppress tradeline during fraud reinvestigation under FCRA 605B.

Pattern of Abuse The attached complaints show a pattern of negligence, legal non-compliance, and willful disregard for consumer rights and federal law. I have attempted multiple forms of dispute resolution including : Certified mail FCRA 611 disputes Identity theft block requests under 605B Supporting evidence : police reports, FTC affidavits, Resurgent Capital confirmations Follow-up disputes alleging reinvestigation failure Despite this, Experian : Continues to report the fraudulent account Acknowledges possible fraud but refuses to delete Does not comply with data integrity or Metro 2 format rules Relief Requested I am requesting immediate enforcement action under FCRA 621 ( a ) and XXXX for willful and negligent violations. Specifically : XXXX. Mandate full deletion of the XXXX account XXXX XXXX from my Experian report. 
2. Require Experian to issue me a written statement of correction, as required by FCRA.

3. Initiate civil penalties or referrals to the FTC for Experians failure to comply with consumer protection laws.

4. Consider supervisory review of Experians identity theft dispute handling procedures across all departments.

I have exhausted all normal dispute channels. I am now requesting regulatory enforcement to compel Experians compliance with the law. Identity theft victims deserve protectionnot prolonged credit damage from noncompliant CRAs and data furnishers. 

Please contact me at the above phone or email for any additional documentation or testimony. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Attachments Available Upon Request : Identity Theft Affidavits ( FTC & XXXX XXXX ) Resurgent Capital deletion letter CFPB Complaint Tracking # XXXX ( listed above ) Screenshot of tradeline reporting errors ( as of XX/XX/year> ) Certified mail receipts and Experian dispute tracking confirmations

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