Consumer complaint received 2025-09-29 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX By Certified Mail Return Receipt Requested Experian XXXX Department XXXX. XXXX XXXX XXXX, TX XXXX Re : Formal Identity-Theft & Data Breach Dispute Demand for Immediate Blocking of Fraudulent Information Under FCRA 605B To Whom It May Concern, This letter serves as my FOURTH FORMAL DEMAND for Experian to comply with its obligations under the Fair Credit Reporting Act. I am the victim of a data breach and identity theft. My information has been found on the dark web and continues to be misused. 
Unauthorized and fraudulent accounts were reported on my credit file, previously removed after dispute, but have now been re-added. This is an unlawful practice and a willful violation of my consumer rights. 
My Demands Under FCRA 605B : 1. Immediate Blocking/Removal : Under 15 U.S.C. 1681c-2, Experian must block and permanently remove all fraudulent information from my file without delay.

2. Verification Methods : Provide, in writing, the exact method ( s ), documentation, and procedures used to verify these accounts. This includes but is not limited to applications, contracts, signatures, or communications allegedly linking me to these accounts.

3. Deadline : I demand full compliance within four ( 4 ) business days of receipt of this notice.

4. Legal & Arbitration Notice : Should Experian fail to comply, I will immediately escalate by filing complaints with the CFPB, FTC, and State Attorney General. Furthermore, because Experian is contractually bound by its own Arbitration Clause, I hereby place Experian on notice that I intend to pursue binding arbitration for damages, attorney fees, and injunctive relief if this matter is not resolved within the stated time frame. 
This repeated failure to resolve my disputes demonstrates negligence, bad faith, and systemic noncompliance. Experian has now had multiple opportunities ( this being my fourth ) to correct this issue and has instead chosen to re-report fraudulent data, directly harming me. 
Specific Disputed Accounts ( fraudulent and re-reported ) : - XX/XX/XXXXXXXX Account ending in XXXX - XXXX XXXX Bank XXXX Account ending in XXXX - XXXX Bank XXXX Account ending in XXXX - XXXX XXXX XXXX Account ending in XXXX - XXXX XXXX Bank XXXX Account ending in XXXX ( Secured Loan, opened XX/XX/XXXX, closed XX/XX/XXXX ) - XXXX XXXX Bank XXXX Account ending in XXXX ( Secured LOC, opened XX/XX/XXXX, closed XX/XX/XXXX ) - Account ending in XXXX ( Education, opened XX/XX/XXXX, closed ) Documentation Included : - Copy of my government-issued ID - FTC Identity Theft Report / Police Report ( if available ) - Copy of Experian credit report highlighting unauthorized items This letter is written in good faith, but it should be understood as a final opportunity before I seek legal and arbitral remedies. You are expected to act in full compliance with the law. 
Sincerely, 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