Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Experian Information Solutions , Inc. for their persistent failure to comply with the Fair Credit Reporting Act ( FCRA ) and their mishandling of my credit report disputes. As a confirmed victim of the XXXX XXXX  data breach, I have faced significant issues, including fraudulent accounts and inaccurate personal information, which Experian has failed to address despite my repeated efforts. 
Background and Challenges Faced I submitted an initial dispute on XX/XX/XXXX, via first-class mail, identifying 31 inaccurate items on my credit report, supported by identification ( drivers license and utility bill ). Experians partial response marked only XXXX items ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) as verified and updated without investigation details, ignoring 27 items. I followed up with demand letters on XX/XX/XXXX ( delivered XX/XX/XXXXXXXX  ) and XX/XX/XXXX, via certified mail, setting a deadline of XX/XX/XXXX, which has passed without a response. This morning, XX/XX/XXXX, at XXXX XXXX, I received emails requesting an Initial Security Alert and identity verification, which I consider stall tactics given my prior submissions. As of today, 60 days have elapsed since my initial dispute, far exceeding the 45-day investigation period under 15 U.S.C. 1681i ( a ) ( 1 ). 
These inaccuracies, linked to the XXXX  data breach, have caused substantial distress and potential harm to my financial standing due to identity theft, including an unauthorized attempt to open cell phone service. 
FCRA Violations Experians conduct violates the following FCRA provisions : 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation of 27 items and adequately investigate 4 items within 45 days.
15 U.S.C. 1681i ( a ) ( 2 ) : No evidence of notifying furnishers within 5 business days.

15 U.S.C. 1681i ( a ) ( 5 ) ( C ) : Requirement to delete disputed items due to noncompliance, which has not occurred.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum accuracy, allowing unverified data to persist.

15 U.S.C. 1681g ( c ) : Imposing unreasonable barriers through repeated identity verification requests. 
Context of XXXX  Settlement The systemic issues with credit reporting agencies are underscored by XXXX {$15.00} XXXX settlement with the CFPB in XXXX, addressing failures to handle disputes and ensure accuracyissues mirrored by Experians actions here. 
Disputed Items The following 31 items, identified in my XX/XX/XXXX, demand letter, remain unresolved on my credit report ( SSN : XXXX ) : XXXX. Incorrect personal information : XXXX XXXX XXXX. Incorrect personal information : XXXX XXXX XXXX XXXX. Incorrect personal information : XXXX XXXX XXXX XXXX. Incorrect personal information : XXXX XXXX XXXX XXXX XXXX. Incorrect personal information : Bankruptcy XXXX XXXX, XXXX XXXX XXXX XXXX. Unauthorized inquiry : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX. Unverified account : XXXX XXXX XXXX, Account Number XXXX XXXX. Unverified account : XXXX XXXX XXXX, Account Number XXXX XXXX. Unverified account : XXXX XXXX XXXX, Account Number XXXX XXXX. Unverified account : XXXX XXXX  XXXX, Account Number XXXX XXXX. Wrong amount reported : XXXX XXXX  XXXX, Account Number XXXX XXXX. Unverified account : XXXX XXXX, Account Number XXXX XXXX. Wrong amount reported : XXXX XXXX XXXX, Account Number XXXX XXXX. Unverified account : 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 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 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 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

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