Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
I am filing this complaint pursuant to the Fair Credit Reporting Act ( FCRA ) and other applicable federal consumer protection laws regarding Experians failure to conduct a reasonable investigation, failure to provide required documentation, and failure to block fraudulent accounts and inquiries from my credit file despite repeated notices by certified mail and through their online portal. Background of Complaint I have sent multiple disputes to Experian via certified mail and their online portal concerning fraudulent accounts and inquiries caused by identity theft. Despite these repeated good-faith efforts, I have only received generic template responses that do not address my disputes or provide the required documentation under the FCRA. Experian has failed to comply with its statutory obligations to protect consumers against identity theft and inaccurate reporting. In addition, if Experian has experienced any credit data breaches, this represents a further failure of their duty under federal law to safeguard my personal information. Such breaches directly increase the risk of identity theft and strengthen the need for Experian to delete fraudulent accounts and inquiries from my credit file. Fraudulent Accounts and Collections in XXXX : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( opened around XX/XX/XXXX, balance {$22000.00} ). XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( opened XX/XX/XXXX, balance {$2500.00} ). XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Opened around XX/XX/XXXX, balance {$10000.00} ) XXXX. XXXX XXXX XXXX account number listed, balance not visible. Fraudulent Hard Inquiries : 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 XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX Applicable Federal Laws Violated - FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires credit reporting agencies to block identity theft information within 4 business days of receiving proper notice. - FCRA 611 ( 15 U.S.C. 1681i ) : Requires a reasonable reinvestigation of disputed information and for the credit bureau to provide all documentation relied upon in verifying the disputed items. - FCRA 609 ( 15 U.S.C. 1681g ) : Requires credit bureaus to provide all information in the consumers file and the sources of that information upon request. - FCRA 623 ( 15 U.S.C. 1681s-2 ) : Prohibits furnishers from reporting information they know, or should know, is inaccurate. - FDCPA 807 ( 15 U.S.C. 1692e ) : Prohibits debt collectors from reporting false or misleading information regarding alleged debts. Supporting Documentation Attached - Copy of my FTC Identity Theft Complaint XXXX XXXXXXXX. - Copies of my dispute letters sent via certified mail and online portal submissions. - A copy of my FICO credit report showing fraudulent accounts and inquiries. - List of fraudulent inquiries. Relief Requested I am requesting the CFPB to compel Experian to : XXXX. Immediately block the fraudulent accounts and inquiries under FCRA 605B. XXXX. Provide me with all documentation, contracts, applications, or evidence they claim to have used in verifying these fraudulent accounts. XXXX. Remove all fraudulent accounts, collections, and inquiries from my credit report. XXXX. Confirm that none of this information will be reinserted without proper notice under FCRA 611 ( a ) ( 5 ) ( B ). XXXX. Ensure Experian complies with its obligations under the FCRA and FDCPA, including its duty to safeguard consumer data against breaches. Experian has failed to uphold its statutory obligations despite my repeated certified mail requests and online portal submissions. These failures are in direct violation of federal law, and I request the XXXX  immediate intervention to ensure my rights as a consumer are protected.

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