Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11766992
Complaint Overview
Complaint ID: 11766992
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: Virginia
ZIP Code: 221XX
Date Received: 2025-01-22T12:00:00-05:00
Date Sent to Company: 2025-01-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
What Happened : I disputed a fraudulent account with Experian that was added to my credit report by XXXX XXXX XXXX, claiming it originated from XXXXXXXX XXXX XXXXXXXX XXXX. This account, with a balance of {$1400.00}, was not authorized by me and was a result of identity theft. On XX/XX/XXXX, I submitted a formal dispute to Experian along with the following documentation : An FTC Identity Theft Report, confirming the fraudulent nature of the account. Supporting documentation, including proof of my identity and address. Experian responded on XX/XX/XXXX stating : My request to block the account was made in error. My request was based on material misrepresentation. I knowingly obtained goods, services, or moneys from the disputed account. These claims by Experian are entirely baseless and unsupported by any factual evidence. My request was valid, and I provided all necessary documentation under the FCRA ( 15 U.S.C. 1681c-2 ), which requires Experian to block fraudulent accounts if I provide proof of identity theft. Experian failed to investigate the matter reasonably, ignored my documentation, and arbitrarily denied my request without explaining how they arrived at their decision. Experians response violates the Fair Credit Reporting Act ( FCRA ), particularly : 1. Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) : Experian did not adequately review the documentation I submitted and relied on unsubstantiated claims. 2. Failure to Block the Fraudulent Account ( 15 U.S.C. 1681c-2 ) : Experian is required to block fraudulent information when provided with a valid Identity Theft Report, which I supplied. 3. Failure to Notify Me of Adequate Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) : Experians vague and dismissive response does not satisfy its obligations under the law. This issue aligns with the CFPBs recent lawsuit against Experian, which alleges systemic failures in its dispute handling processes, including ignoring evidence provided by consumers and over-relying on furnishers responses.
Frequently Asked Questions
What is Complaint #11766992 about?
Complaint #11766992 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 2025-01-22T12:00:00-05:00.
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.