Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11509127
Complaint Overview
Complaint ID: 11509127
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Georgia
ZIP Code: 30122
Date Received: 2025-01-13T12:00:00-05:00
Date Sent to Company: 2025-01-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint as a victim of identity theft and as part of the XXXX data breach, where my personal information was compromised and fraudulently used. Despite notifying Experian and providing all required documentation to dispute fraudulent accounts, inquiries, and inaccuracies on my credit report, Experian has failed to comply with federal laws and my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Violations by Experian 1. Failure to Block and Delete Fraudulent Information ( FCRA, 15 USC 1681c-2 ( a ) ) : Under this provision, Experian is required to block and permanently delete any fraudulent or inaccurate information from a consumers credit file within four business days of receiving proper documentation. I submitted all necessary proof, including an identity theft affidavit, government-issued identification, and a police report. However, Experian has failed to remove several unauthorized accounts and inquiries from my report, including : XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) 2. Reinsertion of Deleted Information Without Proper Notification ( FCRA, 15 USC 1681i ( a ) ( 5 ) ( B ) ) : Experian has reinserted previously deleted accounts without providing the legally required notice. This reinsertion not only violates the FCRA but also exacerbates the harm caused by the original inaccuracies. 3. Failure to Conduct Reasonable Investigations ( FCRA, 15 USC 1681i ( a ) ) : Experian has repeatedly failed to conduct reasonable investigations into my disputes. Despite receiving detailed documentation proving my identity and the fraudulent nature of the disputed accounts, Experian continues to report the same inaccurate information. 4. Noncompliance with CFPB Directives : The Consumer Financial Protection Bureau ( CFPB ) recently sued Experian for its systemic violations of consumer protection laws, including failure to notify consumers when reinserting deleted information. My experience mirrors the violations detailed in the CFPBs case, further demonstrating Experians ongoing disregard for consumer rights. Impact of Experians Actions Experians noncompliance with federal laws has caused significant harm to my financial standing, creditworthiness, and emotional well-being. The presence of inaccurate information has led to unfair treatment from creditors, increased financial stress, and unnecessary delays in resolving my disputes.
Frequently Asked Questions
What is Complaint #11509127 about?
Complaint #11509127 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-01-13T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.