Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This letter serves as a formal and final notice demanding immediate compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 and 1681i. Despite multiple prior disputes and the submission of verified documentation, Experian has unlawfully continued to report fraudulent information that I have identified as resulting from identity theft. 

Your most recent investigation resulted in an inaccurate and unacceptable response of Remains. This outcome clearly demonstrates Experians failure to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i ( a ). The continued reporting of fraudulent and unverifiable information is a willful violation of federal law and has caused significant harm to me, including credit denials, financial losses, and emotional distress. 

Enclosed once again is a copy of my FTC Identity Theft Report ( No. XXXX ) and supporting documentation, which establish beyond dispute that I am the victim of identity theft. Under 15 U.S.C. 1681c-2 ( a ), Experian was required to block the disputed information within four ( 4 ) business days of receiving my identity theft documentation. Your failure to do so constitutes a direct violation of the FCRA. 
XXXX XXXX Account XXXX. XXXX Opened : XX/XX/XXXX Charged Off : {$360.00} ( This account was fraudulently opened and has been unlawfully reinserted despite prior disputes. Remove it permanently. ) Inquiries : 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 XXXXXX/XX/XXXX These items are the result of identity theft. I did not open, authorize, or benefit from any of them. 
Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am formally requesting Experians Method of Verification for each disputed item listed above. Specifically, you must provide in writing : The name, address, and telephone number of each furnisher or source that Experian contacted to verify the disputed information ; A detailed description of the procedure used in your reinvestigation, including any third-party communications or databases consulted ; and A copy of all correspondence, documentation, or records Experian received in response from the furnisher ( s ).

Failure to provide this information within 15 days will constitute another violation of
the FCRA and further evidence of Experians noncompliance.

Be advised that Experians willful or negligent violations of 15 U.S.C. 1681c-2 and 1681i subject your agency to liability for statutory and actual damages, as well as attorneys fees and costs, under 15 U.S.C. 1681n and 1681o.

If Experian fails to block, delete, and verify these items immediately, I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General ; Notify all relevant creditors and furnishers of your noncompliance ; and Pursue a private civil action seeking full statutory and punitive damages for willful violation of the FCRA. 
You are hereby directed to : Block and permanently delete the fraudulent account and inquiries listed above within four ( 4 ) business days.

Failure to comply within the statutory timeframe will leave me no choice but to pursue all available legal remedies without further notice.

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