Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
I am submitting this complaint to formally escalate my identity theft dispute against Experian and to demand immediate compliance with the Fair Credit Reporting Act ( FCRA ), specifically 1681c-2, 1681e ( b ), 1681i, and 1681b ( f ). This is not a frivolous or duplicative dispute. I am submitting newly obtained third-party documentary evidence that materially impacts the reinvestigation process and requires full legal consideration. Specifically, my updated XXXX consumer disclosure dated XX/XX/year>, and my XXXX report dated XX/XX/year>, both confirm that none of the following disputed accounts currently appear in my consumer credit file : XXXX XXXX XXXX account ending in * XXXX ( {$3300.00} ) XXXX XXXX XXXX Bank account ending in * XXXX ( {$1200.00} ) XXXX XXXX account ending in * XXXX ( {$1400.00} ) XXXX XXXX XXXX account ending in * XXXX ( {$1000.00} ) These documents serve as independent third-party corroboration that these accounts are not valid credit relationships and were never authorized or originated by me. Their complete absence in two national repositoriesXXXX and XXXXconstitutes powerful rebuttal evidence that Experian must legally consider. Their omission confirms that these tradelines do not meet the standard of maximum possible accuracy under FCRA 1681e ( b ) and that their continued inclusion is both unlawful and materially misleading. I have already submitted a complete and valid FTC Identity Theft Report ( Ref. No. XXXX ), along with a copy of my government-issued ID, proof of address, and written statements identifying each of these accounts as the result of identity theft.

Despite receiving proper documentation, Experian has failed to comply with FCRA 1681c-2 ( c ), which mandates that fraudulent identity theft-related information must be blocked within four ( 4 ) business days of receiving a valid identity theft report and supporting documents. To date, these accounts remain on my credit file. Experian has not provided any evidence of a signed contract, original billing records, or validation of account ownership. This violates FCRA 1681i ( a ) ( 5 ) ( A ) and 1681b ( f ), as no permissible purpose exists to maintain or report these items. 

The account with * XXXX XXXX XXXX ending in XXXX is especially problematic. The vehicle tied to this account was declared a total loss and fully settled by insurance. I never authorized any post-settlement liability or signed a new contract. The reported charge-off balance of {$3300.00} is fraudulent, lacks any underlying contractual basis, and violates FCRA 604 ( a ) and 1681b ( f ). Additionally, this tradeline appeared on my report suddenly as a charge-off with no late payment history, violating FCRA 1681c ( a ) ( 4 ) and Metro 2 guidelines. No IRS Form 1099-C was issued as required by 26 U.S. Code 6050P, further indicating that the debt is fictitious or already discharged. 

Furthermore, I strongly object to Experians * unauthorized reinvestigation of my current, accurate XXXX XXXX XXXX account ending in XXXX. I never disputed this legitimate account, and any interference with its positive history constitutes a separate violation under FCRA 1681i ( a ) ( 1 ) and 1681e ( b ). This unauthorized action, taken while ignoring the fraudulent tradeline ending in XXXX XXXX, reflects a lack of due process and bad faith. 

Given the newly submitted XXXX and XXXX reportswhich confirm that none of the disputed tradelines are present in their filesthere is now overwhelming evidence that these accounts are fraudulent. Experian must immediately block and delete these tradelines under FCRA 1681c-2 ( c ) and must not reinstate them unless all requirements under 1681c-2 ( d ) are fully satisfied, including advance notice, original documentation from the creditor, and my explicit written consent. 

If Experian fails to comply, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) Enforcement Division, the Federal Trade Commission, and the IRS Criminal Investigation Division. I will also consider civil remedies under FCRA 1681n and 1681o for willful and negligent noncompliance. 

I demand full compliance with federal law and request written confirmation of deletion for all fraudulent tradelines, including : XXXX XXXX XXXX account ending in XXXX XXXXXXXX XXXX XXXX XXXX XXXX  account ending in XXXX XXXX XXXX XXXX account ending in XXXX XXXX XXXX XXXX XXXX account ending in XXXX XXXXXXXX Experian must permanently block these accounts and confirm in writing that they will not be reinserted without full compliance with federal law.

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