Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Since XXXX, I have been dealing with errors on my credit report which have resulted from incorrect reporting. These errors have prevented me from being able to obtain loans, financing for vehicles, apartment leases, and even cell phones among many other things. Until recently, I have been largely uneducated about matters involving credit. I had no idea the importance of my credit score in relation to functioning in society and being able to purchase anything. 
About 2 years ago, I started looking into buying a new vehicle and possibly a home. Little did I know that my credit report was peppered with fraudulent accounts from apparent identity theft which had occurred as a result of data breaches from both Equifax and Transunion. I signed up with a commercial service to help repair my credit. Their advertising said they would dispute the inaccurate items and have them removed from my credit reports and that my credit score would go up over XXXX points in very little time. I took them at their word. 
I signed up for their most expensive program which entailed a fake line of credit, a small savings account, and a secured credit card, all of which required monthly payments around {$50.00}. For this, they would show an open line of credit on my credit report of {$3500.00} with {$0.00} utilization. They said they would also draft and send 5 dispute letters/month to have the negative items removed from my credit reports. I have, until recently, continued with their service for close to 2 years. After seeing almost no change in my credit score, and noticing the dispute letters they sent were largely ineffective, I cancelled my membership in their program. 
Out of necessity I have begun to educate myself in all things credit in an attempt to self-regulate the erroneous information preventing me from accessing credit. In only a few short weeks I have been able to learn enough to dispute these things myself. I am able to cite the specific consumer laws that are in violation on my credit reports within each credit reporting bureau currently. I have filed, many times over, disputes with the 3 main reporting bureaus : Experian, Transunion, and Equifax ; however, it is only recently that I have been able to cite the specific USC laws that each are knowingly and willfully violating. In my previous disputes they have always simply stated that the account is aligned with the FCRA and to my knowledge they have not investigated a single dispute until XX/XX/XXXX. I then submitted a dispute online and cited XXXX of the XXXX violations and got their attention. Apparently it got the attention of the debt collector as well because they finally responded with a print out of a credit card statement and tried to assert that this was valid proof of a contract with my wettened signature. As we all know, this is not valid proof of any type of contract I have with this debt buyer. They are not being forthcoming about he contract and its worth or who is on the contract or any of the required information aside from the fact that it is not my debt. 
On XX/XX/XXXX, I requested validation of the all debts that are reported as collections or charge offs on my credit report. I sent, by way of certified mail, requests for proof of these debts to the companies which are listed on my credit reports as both creditors and collection agencies. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also sent to the 3 credit bureaus notices of the accounts which I am disputing with copies of my state issued driver 's license, social security card, and two current utility bills showing my correct address. The credit bureaus also received a copy of the police report, which I filed with the XXXX, regarding the identity theft. I placed security freezes on all of my accounts and locked my credit files with the 3 main bureaus. 
Additionally, I also am disputing several hard inquiries which I do not recognize. These include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA section 604 ( a ) ( 2 ), this is also a violation of my rights as I did not give permission to disclose my credit to these credit card companies.

I know that federal law states that if identity theft occurs and a person sends the proper notification of that to the credit bureaus they are supposed to delete the accounts in question within four ( 4 ) days. I mailed out envelopes containing all this information to the credit bureaus on XX/XX/XXXX. Only one, Experian, is showing that they have received this information and placed these accounts under dispute. It has been over 4 days and they are not removed yet as of XX/XX/XXXX. This has been far longer than 4 days allowed by federal law. 
This is only one violation, despite being provided with the proper information about this data breach, they still have not removed these accounts. Aside from that, across all three credit reporting bureaus there are many many errors on my credit reports and I have addressed this with the bureaus. They have still not deleted these incorrect accounts. They are in violation of these specific things : double reporting accounts, reporting incorrect/inaccurate information on accounts, re-aging old accounts, refusing to verify information, and taking more than 30 days to delete incorrect information. This is the case across all three of the credit reporting bureaus. Specifically, I can cite : 15 USC 1681B, 15 USC 1681 ( c-2 ), 15 USC 1692g , 15 USC 1692e ( 2 ), and others as just some of the consumers laws that are being violated here. 
I am filing this complaint with your office today to hopefully get some type of remedy to this injustice. I am being denied credit and loans and opportunity because of their refusal to obey the federal consumer laws put into place to protect us from just such an offense.

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